Call reports 2004
RIVERVIEW COMMUNITY BANK — 2004
What RIVERVIEW COMMUNITY 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 | 50,322,000 | 63,046,000 | 72,498,000 | 83,643,000 |
| Total loans | 38,613,000 | 48,128,000 | 59,145,000 | 64,231,000 |
| Allowance for loan losses | 391,000 | 391,000 | 435,000 | 576,000 |
| Securities available for sale | 0 | 4,714,000 | 6,216,000 | 6,241,000 |
| Securities held to maturity | 4,725,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,918,000 | 57,567,000 | 66,012,000 | 76,488,000 |
| Interest-bearing deposits | 39,775,000 | 49,787,000 | 57,079,000 | 65,972,000 |
| Noninterest-bearing deposits | 6,143,000 | 7,780,000 | 8,933,000 | 10,516,000 |
| Equity capital | 4,193,000 | 5,243,000 | 6,205,000 | 6,721,000 |
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 | 730,000 | 1,606,000 | 2,706,000 | 3,935,000 |
| Interest expense | 248,000 | 577,000 | 987,000 | 1,463,000 |
| Net interest income | 482,000 | 1,029,000 | 1,719,000 | 2,472,000 |
| Noninterest income | 144,000 | 246,000 | 426,000 | 665,000 |
| Noninterest expense | 512,000 | 1,095,000 | 1,814,000 | 2,791,000 |
| Provision for loan losses | 98,000 | 98,000 | 158,000 | 299,000 |
| Pretax income | 16,000 | 82,000 | 173,000 | 47,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 16,000 | 82,000 | 173,000 | 47,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,193,000 | 5,259,000 | 6,219,000 | 6,743,000 |
| Total capital | 4,584,000 | 5,650,000 | 6,654,000 | 7,319,000 |
| Risk-weighted assets | 36,571,000 | 46,002,000 | 56,467,000 | 64,840,000 |