Call reports 2005
RIVERVIEW COMMUNITY BANK — 2005
What RIVERVIEW COMMUNITY 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 | 90,425,000 | 101,285,000 | 116,445,000 | 130,487,000 |
| Total loans | 73,103,000 | 78,806,000 | 92,078,000 | 104,143,000 |
| Allowance for loan losses | 715,000 | 929,000 | 965,000 | 1,179,000 |
| Securities available for sale | 7,243,000 | 7,256,000 | 8,130,000 | 8,745,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,445,000 | 90,370,000 | 103,806,000 | 112,587,000 |
| Interest-bearing deposits | 68,818,000 | 77,861,000 | 84,642,000 | 92,208,000 |
| Noninterest-bearing deposits | 10,627,000 | 12,509,000 | 19,164,000 | 20,379,000 |
| Equity capital | 10,609,000 | 10,474,000 | 10,302,000 | 11,911,000 |
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 | 1,327,000 | 2,882,000 | 4,703,000 | 6,906,000 |
| Interest expense | 516,000 | 1,149,000 | 1,931,000 | 2,889,000 |
| Net interest income | 811,000 | 1,733,000 | 2,772,000 | 4,017,000 |
| Noninterest income | 187,000 | 465,000 | 753,000 | 1,105,000 |
| Noninterest expense | 919,000 | 2,058,000 | 3,699,000 | 5,463,000 |
| Provision for loan losses | 139,000 | 353,000 | 389,000 | 661,000 |
| Pretax income | -60,000 | -213,000 | -563,000 | -1,002,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -60,000 | -213,000 | -563,000 | -1,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,650,000 | 10,497,000 | 10,346,000 | 11,975,000 |
| Total capital | 11,365,000 | 11,426,000 | 11,311,000 | 13,154,000 |
| Risk-weighted assets | 64,571,000 | 82,412,000 | 96,829,000 | 105,859,000 |