Call reports 2005
RIVERSIDE BANK — 2005
What RIVERSIDE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 559,011,000 | 594,890,000 | 661,147,000 | 665,114,000 |
| Total loans | 393,737,000 | 430,774,000 | 471,476,000 | 455,515,000 |
| Allowance for loan losses | 5,243,000 | 5,461,000 | 5,687,000 | 5,216,000 |
| Securities available for sale | 125,527,000 | 118,893,000 | 129,949,000 | 126,470,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 430,602,000 | 459,464,000 | 520,919,000 | 531,367,000 |
| Interest-bearing deposits | 349,760,000 | 372,601,000 | 428,918,000 | 438,637,000 |
| Noninterest-bearing deposits | 80,842,000 | 86,863,000 | 92,001,000 | 92,730,000 |
| Equity capital | 48,789,000 | 51,014,000 | 53,219,000 | 55,378,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 7,667,000 | 16,047,000 | 25,980,000 | 37,454,000 |
| Interest expense | 2,271,000 | 4,915,000 | 8,404,000 | 12,579,000 |
| Net interest income | 5,396,000 | 11,132,000 | 17,576,000 | 24,875,000 |
| Noninterest income | 623,000 | 1,369,000 | 1,947,000 | 2,463,000 |
| Noninterest expense | 2,993,000 | 5,984,000 | 8,932,000 | 11,951,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 900,000 |
| Pretax income | 2,801,000 | 6,067,000 | 9,916,000 | 14,487,000 |
| Income tax | 980,000 | 2,156,000 | 3,542,000 | 5,172,000 |
| Net income | 1,821,000 | 3,911,000 | 6,374,000 | 9,315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,961,000 | 51,550,000 | 54,014,000 | 56,955,000 |
| Total capital | 55,204,000 | 57,012,000 | 59,701,000 | 62,171,000 |
| Risk-weighted assets | 477,555,000 | 513,569,000 | 560,684,000 | 543,852,000 |