Call reports 2004
RIVERSIDE BANK — 2004
What RIVERSIDE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 484,700,000 | 495,750,000 | 537,611,000 | 565,505,000 |
| Total loans | 358,345,000 | 380,716,000 | 361,098,000 | 387,194,000 |
| Allowance for loan losses | 4,976,000 | 4,848,000 | 5,008,000 | 5,110,000 |
| Securities available for sale | 86,269,000 | 83,151,000 | 109,193,000 | 127,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,854,000 | 386,603,000 | 433,203,000 | 443,096,000 |
| Interest-bearing deposits | 320,653,000 | 316,619,000 | 362,521,000 | 356,903,000 |
| Noninterest-bearing deposits | 63,201,000 | 69,984,000 | 70,682,000 | 86,193,000 |
| Equity capital | 43,646,000 | 44,054,000 | 46,278,000 | 47,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,871,000 | 12,206,000 | 18,542,000 | 25,880,000 |
| Interest expense | 1,653,000 | 3,374,000 | 5,127,000 | 7,199,000 |
| Net interest income | 4,218,000 | 8,832,000 | 13,415,000 | 18,681,000 |
| Noninterest income | 1,108,000 | 2,252,000 | 3,019,000 | 3,731,000 |
| Noninterest expense | 3,245,000 | 6,673,000 | 9,372,000 | 12,010,000 |
| Provision for loan losses | 146,000 | 269,000 | 442,000 | 564,000 |
| Pretax income | 1,935,000 | 4,142,000 | 6,620,000 | 9,735,000 |
| Income tax | 678,000 | 1,476,000 | 2,370,000 | 3,473,000 |
| Net income | 1,257,000 | 2,666,000 | 4,250,000 | 6,262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,135,000 | 44,543,000 | 46,127,000 | 48,139,000 |
| Total capital | 48,111,000 | 49,391,000 | 51,135,000 | 53,249,000 |
| Risk-weighted assets | 420,561,000 | 443,041,000 | 436,492,000 | 470,288,000 |