Riverview bancorp inc (RVSB)
Balance Sheet / Yearly
Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11
ASSETS
Cash and cash equivalents (including interest-earning accounts of $48,781 and $5,844)

62,123

48,888

24,112

22,950

23,394

27,080

33,268

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Cash and cash equivalents (including interest-earning accounts of $5,844 and $30,052)

-

-

-

-

-

-

-

44,767

23,105

76,245

34,108

64,613

28,262

93,007

50,377

55,400

28,967

68,865

48,149

58,659

21,981

30,988

41,556

68,577

123,140

114,337

-

115,415

107,080

98,367

71,362

46,393

-

-

-

51,752

Cash

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

111,878

-

-

-

-

-

36,313

50,148

-

-

Cash

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

70,010

-

Certificates of deposit held for investment

249

249

747

747

747

3,984

4,971

5,967

6,963

9,797

11,042

11,042

11,291

15,275

16,271

16,769

17,761

21,247

25,471

25,969

27,214

32,941

34,435

36,925

37,174

37,920

42,652

44,635

44,137

41,797

40,975

41,473

42,718

23,847

18,875

14,900

Loans held for sale

-

310

-

909

-

-

-

210

351

347

768

478

1,679

991

457

503

400

950

215

778

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Investment securities:
Available for sale, at estimated fair value

155,757

163,682

-

178,226

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans held for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

724

353

795

1,024

148

1,571

1,258

831

2,551

1,289

100

480

659

264

190

173

Available for sale, at estimated fair value

-

-

170,762

-

182,280

190,792

200,100

213,221

224,931

200,584

205,012

200,214

207,271

152,251

163,684

150,690

154,292

15,750

15,678

112,463

17,150

19,571

21,549

23,394

19,794

21,899

14,590

6,216

6,204

6,278

6,291

6,314

6,337

6,707

-

6,320

Held to maturity, at amortized cost (estimated fair value of $30 and $35)

29

31

33

35

36

38

40

42

44

46

54

64

67

69

72

75

77

80

83

-

88

90

98

101

104

108

122

125

129

164

168

171

177

181

-

190

Investment securities, held to maturity, at amortized cost

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

86

-

-

-

-

-

-

-

-

-

-

-

493

493

499

499

506

Investment securities available for sale, at fair value

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

6,506

-

Mortgage-backed securities held to maturity, at amortized cost

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

185

-

Mortgage-backed securities available for sale, at fair value

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

118,821

124,296

-

101,216

120,740

98,413

78,575

34,529

17,706

6,068

431

549

679

813

974

1,146

1,341

1,545

1,777

Loans receivable (net of allowance for loan losses of $11,433 and $11,457)

875,100

869,880

876,535

864,659

857,134

838,329

815,237

800,610

786,460

773,087

786,913

768,904

654,053

640,873

619,854

614,934

600,540

585,784

559,844

569,010

567,398

540,786

534,712

520,937

505,632

509,447

511,692

520,369

539,549

562,058

597,138

664,888

678,626

680,838

677,310

672,609

Real estate owned ("REO")

-

-

-

-

-

-

-

298

298

298

298

298

298

539

569

595

388

909

1,349

1,603

1,604

3,705

5,926

7,703

11,951

13,481

13,165

15,638

20,698

24,481

22,074

18,731

20,667

25,585

27,213

27,590

Prepaid expenses and other assets

8,330

8,136

8,705

4,596

4,021

5,104

3,759

3,870

4,843

4,227

3,901

3,815

4,832

4,334

3,286

3,405

3,236

3,256

3,635

3,238

3,041

3,243

3,858

3,197

3,268

3,141

2,800

3,063

3,399

3,894

4,550

6,362

6,087

6,020

5,973

5,887

Accrued interest receivable

3,729

3,827

3,989

3,919

3,789

3,671

3,578

3,477

3,464

3,111

3,086

2,941

2,846

2,421

2,451

2,384

2,429

2,181

2,069

2,139

2,024

2,047

1,964

1,836

1,670

1,659

1,751

1,747

1,818

1,958

2,084

2,158

2,378

2,402

2,494

2,523

Federal Home Loan Bank stock ("FHLB"), at cost

1,380

1,380

3,658

3,644

2,735

1,353

1,353

1,353

1,223

1,181

1,181

1,181

1,060

1,060

1,060

1,060

988

988

988

5,924

6,120

6,324

6,533

6,744

6,958

7,023

7,089

7,154

7,219

7,285

7,350

7,350

7,350

7,350

7,350

7,350

Premises and equipment, net

16,021

15,490

15,453

15,458

14,940

15,403

15,674

15,783

15,680

15,740

16,041

16,232

13,953

14,206

14,403

14,595

14,814

15,059

15,172

15,434

15,683

15,955

16,260

16,417

16,685

16,895

17,708

17,693

17,647

17,745

17,887

17,068

16,351

16,568

15,864

16,100

Deferred income taxes, net

3,416

3,296

3,520

4,195

4,680

5,352

5,039

4,813

-

-

-

7,610

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Deferred income taxes, net

-

-

-

-

-

-

-

-

3,988

6,167

6,051

-

8,665

7,816

8,141

9,189

10,814

11,153

12,128

12,568

13,500

14,301

14,748

15,433

348

271

498

522

527

616

612

603

594

9,307

9,375

9,447

Mortgage servicing rights, net

215

247

280

296

325

344

380

388

399

406

408

398

390

385

381

380

386

392

411

399

393

386

373

369

386

388

406

388

406

420

448

278

299

334

364

396

Goodwill

27,076

27,076

27,076

27,076

27,076

27,076

27,076

27,076

27,076

27,076

27,076

27,076

25,572

25,572

25,572

25,572

25,572

25,572

25,572

25,572

25,572

25,572

25,572

25,572

25,572

25,572

25,572

25,572

25,572

25,572

25,572

25,572

25,572

25,572

25,572

25,572

Core deposit intangible ("CDI"), net

799

839

880

920

966

1,011

1,057

1,103

1,161

1,219

1,277

1,335

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Core deposit intangible, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

8

14

20

26

33

39

49

66

83

100

118

137

157

177

197

219

Bank owned life insurance ("BOLI")

29,876

29,688

29,484

29,291

29,102

28,910

28,736

28,557

28,356

28,149

27,945

27,738

25,430

25,246

25,869

25,678

25,488

25,295

25,105

24,908

24,719

24,524

17,830

17,691

17,557

17,421

17,280

17,138

16,996

16,850

16,701

16,553

16,406

16,256

16,103

15,952

TOTAL ASSETS

1,184,100

1,173,019

1,165,234

1,156,921

1,151,225

1,148,447

1,140,268

1,151,535

1,128,342

1,147,680

1,125,161

1,133,939

985,669

984,045

932,447

921,229

886,152

896,302

860,165

858,750

828,435

841,540

824,642

824,521

804,949

788,878

774,578

777,003

794,564

809,553

814,730

855,998

862,330

873,396

885,625

859,263

LIABILITIES AND SHAREHOLDERS' EQUITY
LIABILITIES:
Deposits

990,464

982,275

922,274

925,068

943,578

982,272

982,350

995,691

972,214

990,299

973,483

980,058

840,391

838,902

789,555

779,803

747,565

756,996

722,461

720,850

689,330

702,635

686,641

690,066

689,271

672,806

659,495

663,806

682,794

699,227

705,892

744,455

735,046

729,259

742,859

716,530

Accrued expenses and other liabilities

18,483

17,502

17,675

12,536

15,855

13,767

8,579

9,391

-

-

-

13,080

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Accrued expenses and other liabilities

-

-

-

-

-

-

-

-

9,117

10,838

8,302

-

10,450

8,175

7,229

7,388

7,178

6,497

7,363

8,111

9,397

12,445

12,759

10,497

8,707

8,887

8,966

8,006

8,700

7,926

8,675

9,398

9,574

9,459

8,824

9,396

Advanced payments by borrowers for taxes and insurance

329

1,117

689

631

192

1,050

580

637

260

920

596

693

288

837

521

609

256

712

415

495

199

644

365

467

193

486

237

1,025

520

1,060

605

800

409

797

406

680

FHLB advances

0

0

56,941

56,586

34,543

-

-

-

1,050

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Federal Home Loan Bank advances

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,100

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Junior subordinated debentures

26,640

26,619

26,597

26,575

26,553

26,530

26,507

26,484

26,461

26,438

26,414

26,390

22,681

22,681

22,681

22,681

22,681

22,681

22,681

22,681

22,681

22,681

22,681

22,681

22,681

22,681

22,681

22,681

22,681

22,681

22,681

22,681

22,681

22,681

22,681

22,681

Finance lease liability

2,378

2,387

2,395

2,403

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Capital lease obligation

-

-

-

-

2,410

2,418

2,424

2,431

2,437

2,443

2,449

2,454

2,459

2,464

2,470

2,475

2,479

2,484

2,254

2,276

2,298

2,319

2,340

2,361

2,381

2,401

2,420

2,440

2,458

2,477

2,495

2,513

2,531

2,544

2,556

2,567

Total liabilities

1,038,294

1,029,900

1,026,571

1,023,799

1,023,131

1,026,037

1,020,440

1,034,634

1,011,539

1,030,938

1,011,244

1,022,675

876,269

873,059

822,456

812,956

780,159

789,370

755,174

754,413

726,005

740,724

724,786

726,072

723,233

707,261

693,799

697,958

717,153

733,371

740,348

779,847

770,241

764,740

777,326

751,854

COMMITMENTS AND CONTINGENCIES (See Note 14)

-

-

-

-

-

0

0

-

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

59,212

68,540

69,994

0

0

0

-

0

SHAREHOLDERS' EQUITY:
Serial preferred stock, $.01 par value; 250,000 shares authorized; issued and outstanding: none

-

-

-

-

-

0

0

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Common stock, $.01 par value; 50,000,000 shares authorized December 31, 2019 - 22,748,385 shares issued and outstanding March 31, 2019 - 22,607,712 shares issued and outstanding

227

227

226

226

226

226

226

226

-

-

-

225

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Additional paid-in capital

65,637

65,559

65,326

65,094

65,056

65,044

64,882

64,871

-

-

-

64,468

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Serial preferred stock, $.01 par value; 250,000 authorized; issued and outstanding: none

-

-

-

-

-

-

-

-

0

0

0

-

0

0

0

0

0

0

0

0

0

0

-

0

-

-

-

-

-

-

-

-

-

0

0

-

Common stock, $.01 par value; 50,000,000 authorized December 31, 2017 - 22,551,912 issued and outstanding March 31, 2017 - 22,510,890 issued and outstanding

-

-

-

-

-

-

-

-

226

225

225

-

225

225

225

225

225

225

225

225

225

225

225

225

225

225

225

225

225

225

225

225

225

225

225

225

Additional paid-in capital

-

-

-

-

-

-

-

-

64,703

64,612

64,556

-

64,448

64,425

64,421

64,418

64,417

65,333

65,331

65,268

65,217

65,217

65,218

65,195

65,176

65,557

65,541

65,551

65,563

65,576

65,593

65,610

65,621

65,626

65,634

65,639

Retained earnings

80,103

77,112

73,602

70,428

67,126

63,642

60,204

56,552

53,878

53,034

50,482

48,335

46,750

45,207

43,976

42,728

41,773

40,460

39,144

37,830

36,565

35,416

34,332

33,592

16,951

16,150

15,809

14,169

12,574

11,543

9,756

11,536

27,493

44,088

43,907

43,193

Unearned shares issued to employee stock ownership plan ("ESOP")

-

-

-

-

-

-

-

-

-

26

52

77

103

129

155

181

206

232

258

284

310

335

361

387

413

438

-464

490

-516

-541

-567

-593

-619

-644

-670

-696

Accumulated other comprehensive loss

-161

221

-491

-2,626

-4,314

-6,502

-5,484

-4,748

-2,004

-1,103

-1,294

-1,687

-1,920

1,258

1,524

1,083

-216

576

-2

762

215

-212

-48

-647

-675

-526

-967

-1,013

-1,023

-1,196

-1,187

-1,171

-1,153

-1,146

-1,278

-1,417

Total shareholders' equity

145,806

143,119

138,663

133,122

128,094

122,410

119,828

116,901

116,803

116,742

113,917

111,264

109,400

110,986

109,991

108,273

105,993

106,362

104,440

103,801

101,912

100,311

99,366

97,978

81,264

80,968

80,144

78,442

76,823

75,607

73,820

76,151

91,567

108,149

107,818

106,944

Shareholders' Equity attributable to non-controlling interest

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

570

551

536

-

-

-

471

-

-

-

-

-

-

-

-

-

-

-

-

Noncontrolling interest

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

518

505

490

-

452

649

635

603

-

-

-

-

-

-

-

-

Noncontrolling interest

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

522

507

481

465

Noncontrolling interest

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

544

-

-

-

-

Noncontrolling interest

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

588

575

562

-

-

-

-

-

Total Shareholders' Equity, including portion attributable to non-controlling interest

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

105,993

106,932

104,991

104,337

102,430

100,816

99,856

98,449

81,716

81,617

80,779

79,045

77,411

76,182

74,382

76,151

92,089

108,656

108,299

107,409

TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY

1,184,100

1,173,019

1,165,234

1,156,921

1,151,225

1,148,447

1,140,268

1,151,535

1,128,342

1,147,680

1,125,161

1,133,939

985,669

984,045

932,447

921,229

886,152

896,302

860,165

858,750

828,435

841,540

824,642

824,521

804,949

788,878

774,578

777,003

794,564

809,553

814,730

855,998

862,330

873,396

885,625

859,263