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Share Name | Share Symbol | Market | Type |
---|---|---|---|
Riverview Bancorp Inc | NASDAQ:RVSB | NASDAQ | Common Stock |
Price Change | % Change | Share Price | Bid Price | Offer Price | High Price | Low Price | Open Price | Shares Traded | Last Trade | |
---|---|---|---|---|---|---|---|---|---|---|
0.105 | 2.56% | 4.205 | 4.00 | 5.03 | 4.26 | 4.01 | 4.01 | 23,132 | 21:09:40 |
Washington
|
000-22957
|
91-1838969
|
(State or other jurisdiction
of incorporation)
|
(Commission
File Number)
|
(I.R.S. Employer
Identification No.)
|
900 Washington Street, Suite 900, Vancouver, Washington
|
98660
|
(Address of principal executive offices)
|
(Zip Code)
|
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions.
|
[ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
|
[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
|
[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act
(17 CFR 240.14d-2(b))
|
[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act
(17 CFR 240.13e-4(c))
|
RIVERVIEW BANCORP, INC. | |
Date: October 29, 2015 | /s/ Kevin J. Lycklama |
Kevin J. Lycklama
Chief Financial Officer
(Principal Financial Officer)
|
Contacts: Pat Sheaffer, Ron Wysaske or Kevin Lycklama,
Riverview Bancorp, Inc. 360-693-6650
|
(Dollars in thousands)
|
September 30, 2015
|
June 30, 2015
|
September 30, 2014
|
March 31, 2015
|
||||||||||||
Shareholders' equity
|
$ | 106,362 | $ | 104,440 | $ | 100,311 | $ | 103,801 | ||||||||
Goodwill
|
25,572 | 25,572 | 25,572 | 25,572 | ||||||||||||
Other intangible assets, net
|
392 | 411 | 400 | 401 | ||||||||||||
Tangible shareholders' equity
|
$ | 80,398 | $ | 78,457 | $ | 74,339 | $ | 77,828 | ||||||||
Total assets
|
$ | 896,302 | $ | 860,165 | $ | 841,540 | $ | 858,750 | ||||||||
Goodwill
|
25,572 | 25,572 | 25,572 | 25,572 | ||||||||||||
Other intangible assets, net
|
392 | 411 | 400 | 401 | ||||||||||||
Tangible assets
|
$ | 870,338 | $ | 834,182 | $ | 815,568 | $ | 832,777 |
RIVERVIEW BANCORP, INC. AND SUBSIDIARY
|
||||||||||||||||
Consolidated Balance Sheets
|
||||||||||||||||
(In thousands, except share data) (Unaudited)
|
September 30, 2015
|
June 30, 2015
|
September 30, 2014
|
March 31, 2015
|
||||||||||||
ASSETS
|
||||||||||||||||
Cash (including interest-earning accounts of $55,094, $33,271, $17,417
|
$ | 68,865 | $ | 48,149 | $ | 30,988 | $ | 58,659 | ||||||||
and $45,490)
|
||||||||||||||||
Certificate of deposits
|
21,247 | 25,471 | 32,941 | 25,969 | ||||||||||||
Loans held for sale
|
950 | 215 | 353 | 778 | ||||||||||||
Investment securities available for sale, at fair value
|
15,750 | 15,678 | 19,571 | 15,751 | ||||||||||||
Mortgage-backed securities held to maturity, at amortized
|
80 | 83 | 90 | 86 | ||||||||||||
Mortgage-backed securities available for sale, at fair value
|
118,821 | 124,296 | 120,740 | 96,712 | ||||||||||||
Loans receivable (net of allowance for loan losses of $10,113, $10,337,
|
||||||||||||||||
$12,001, and $10,762)
|
585,784 | 559,844 | 540,786 | 569,010 | ||||||||||||
Real estate and other pers. property owned
|
909 | 1,349 | 3,705 | 1,603 | ||||||||||||
Prepaid expenses and other assets
|
3,256 | 3,635 | 3,257 | 3,238 | ||||||||||||
Accrued interest receivable
|
2,181 | 2,069 | 2,047 | 2,139 | ||||||||||||
Federal Home Loan Bank stock, at cost
|
988 | 988 | 6,324 | 5,924 | ||||||||||||
Premises and equipment, net
|
15,059 | 15,172 | 15,955 | 15,434 | ||||||||||||
Deferred income taxes, net
|
11,153 | 12,128 | 14,301 | 12,568 | ||||||||||||
Mortgage servicing rights, net
|
392 | 411 | 386 | 399 | ||||||||||||
Goodwill
|
25,572 | 25,572 | 25,572 | 25,572 | ||||||||||||
Bank owned life insurance
|
25,295 | 25,105 | 24,524 | 24,908 | ||||||||||||
TOTAL ASSETS
|
$ | 896,302 | $ | 860,165 | $ | 841,540 | $ | 858,750 | ||||||||
LIABILITIES AND EQUITY
|
||||||||||||||||
LIABILITIES:
|
||||||||||||||||
Deposit accounts
|
$ | 756,996 | $ | 722,461 | $ | 702,635 | $ | 720,850 | ||||||||
Accrued expenses and other liabilities
|
6,497 | 7,363 | 12,445 | 8,111 | ||||||||||||
Advance payments by borrowers for taxes and insurance
|
712 | 415 | 644 | 495 | ||||||||||||
Junior subordinated debentures
|
22,681 | 22,681 | 22,681 | 22,681 | ||||||||||||
Capital lease obligation
|
2,484 | 2,254 | 2,319 | 2,276 | ||||||||||||
Total liabilities
|
789,370 | 755,174 | 740,724 | 754,413 | ||||||||||||
EQUITY:
|
||||||||||||||||
Shareholders' equity
|
||||||||||||||||
Serial preferred stock, $.01 par value; 250,000 authorized,
|
||||||||||||||||
issued and outstanding, none
|
- | - | - | - | ||||||||||||
Common stock, $.01 par value; 50,000,000 authorized,
|
||||||||||||||||
September 30, 2015 - 22,507,890 issued and outstanding;
|
||||||||||||||||
June 30, 2015 – 22,507,890 issued and outstanding;
|
225 | 225 | 225 | 225 | ||||||||||||
September 30, 2014 - 22,471,890 issued and outstanding;
|
||||||||||||||||
March 31, 2015 – 22,489,890 issued and outstanding;
|
||||||||||||||||
Additional paid-in capital
|
65,333 | 65,331 | 65,217 | 65,268 | ||||||||||||
Retained earnings
|
40,460 | 39,144 | 35,416 | 37,830 | ||||||||||||
Unearned shares issued to employee stock ownership trust
|
(232 | ) | (258 | ) | (335 | ) | (284 | ) | ||||||||
Accumulated other comprehensive loss
|
576 | (2 | ) | (212 | ) | 762 | ||||||||||
Total shareholders’ equity
|
106,362 | 104,440 | 100,311 | 103,801 | ||||||||||||
Noncontrolling interest
|
570 | 551 | 505 | 536 | ||||||||||||
Total equity
|
106,932 | 104,991 | 100,816 | 104,337 | ||||||||||||
TOTAL LIABILITIES AND EQUITY
|
$ | 896,302 | $ | 860,165 | $ | 841,540 | $ | 858,750 |
Consolidated Statements of Income
|
||||||||||||||||||||
Three Months Ended
|
Six Months Ended
|
|||||||||||||||||||
(In thousands, except share data) (Unaudited)
|
Sept. 30, 2015
|
June 30, 2015
|
Sept. 30, 2014
|
Sept. 30, 2015
|
Sept. 30, 2014
|
|||||||||||||||
INTEREST INCOME:
|
||||||||||||||||||||
Interest and fees on loans receivable
|
$ | 6,789 | $ | 6,860 | $ | 6,486 | $ | 13,649 | $ | 12,657 | ||||||||||
Interest on investment securities-taxable
|
62 | 64 | 98 | 126 | 182 | |||||||||||||||
Interest on mortgage-backed securities
|
640 | 518 | 508 | 1,158 | 988 | |||||||||||||||
Other interest and dividends
|
111 | 119 | 118 | 230 | 249 | |||||||||||||||
Total interest income
|
7,602 | 7,561 | 7,210 | 15,163 | 14,076 | |||||||||||||||
INTEREST EXPENSE:
|
||||||||||||||||||||
Interest on deposits
|
300 | 303 | 342 | 603 | 702 | |||||||||||||||
Interest on borrowings
|
139 | 134 | 148 | 273 | 295 | |||||||||||||||
Total interest expense
|
439 | 437 | 490 | 876 | 997 | |||||||||||||||
Net interest income
|
7,163 | 7,124 | 6,720 | 14,287 | 13,079 | |||||||||||||||
Less recapture of loan losses
|
(300 | ) | (500 | ) | (350 | ) | (800 | ) | (650 | ) | ||||||||||
Net interest income after recapture of loan losses
|
7,463 | 7,624 | 7,070 | 15,087 | 13,729 | |||||||||||||||
NON-INTEREST INCOME:
|
||||||||||||||||||||
Fees and service charges
|
1,132 | 1,296 | 1,158 | 2,428 | 2,228 | |||||||||||||||
Asset management fees
|
801 | 824 | 710 | 1,625 | 1,530 | |||||||||||||||
Gain on sale of loans held for sale
|
79 | 221 | 155 | 300 | 281 | |||||||||||||||
Bank owned life insurance income
|
190 | 197 | 194 | 387 | 332 | |||||||||||||||
Other
|
14 | 11 | 6 | 25 | 62 | |||||||||||||||
Total non-interest income
|
2,216 | 2,549 | 2,223 | 4,765 | 4,433 | |||||||||||||||
NON-INTEREST EXPENSE:
|
||||||||||||||||||||
Salaries and employee benefits
|
4,236 | 4,414 | 4,341 | 8,650 | 8,515 | |||||||||||||||
Occupancy and depreciation
|
1,154 | 1,169 | 1,322 | 2,323 | 2,409 | |||||||||||||||
Data processing
|
431 | 490 | 434 | 921 | 904 | |||||||||||||||
Advertising and marketing expense
|
208 | 176 | 203 | 384 | 353 | |||||||||||||||
FDIC insurance premium
|
122 | 126 | 180 | 248 | 355 | |||||||||||||||
State and local taxes
|
123 | 137 | 117 | 260 | 254 | |||||||||||||||
Telecommunications
|
74 | 73 | 74 | 147 | 150 | |||||||||||||||
Professional fees
|
218 | 233 | 257 | 451 | 546 | |||||||||||||||
Real estate owned expenses
|
167 | 279 | 186 | 446 | 802 | |||||||||||||||
Other
|
551 | 648 | 560 | 1,199 | 1,121 | |||||||||||||||
Total non-interest expense
|
7,284 | 7,745 | 7,674 | 15,029 | 15,409 | |||||||||||||||
INCOME BEFORE INCOME TAXES
|
2,395 | 2,428 | 1,619 | 4,823 | 2,753 | |||||||||||||||
PROVISION FOR INCOME TAXES
|
743 | 833 | 535 | 1,576 | 929 | |||||||||||||||
NET INCOME
|
$ | 1,652 | $ | 1,595 | $ | 1,084 | $ | 3,247 | $ | 1,824 | ||||||||||
Earnings per common share:
|
||||||||||||||||||||
Basic
|
$ | 0.07 | $ | 0.07 | $ | 0.05 | $ | 0.14 | $ | 0.08 | ||||||||||
Diluted
|
$ | 0.07 | $ | 0.07 | $ | 0.05 | $ | 0.14 | $ | 0.08 | ||||||||||
Weighted average number of shares outstanding:
|
||||||||||||||||||||
Basic
|
22,449,386 | 22,434,327 | 22,388,753 | 22,441,898 | 22,385,691 | |||||||||||||||
Diluted
|
22,490,351 | 22,477,006 | 22,419,469 | 22,483,711 | 22,414,212 |
(Dollars in thousands)
|
At or for the three months ended
|
At or for the six months ended
|
||||||||||||||||||
Sept. 30, 2015
|
June 30, 2015
|
Sept. 30, 2014
|
Sept. 30, 2015
|
Sept. 30, 2014
|
||||||||||||||||
AVERAGE BALANCES
|
||||||||||||||||||||
Average interest–earning assets
|
$ | 783,371 | $ | 775,558 | $ | 737,759 | $ | 779,486 | $ | 737,736 | ||||||||||
Average interest-bearing liabilities
|
594,667 | 588,841 | 577,658 | 591,770 | 578,305 | |||||||||||||||
Net average earning assets
|
188,704 | 186,717 | 160,101 | 187,716 | 159,431 | |||||||||||||||
Average loans
|
576,218 | 574,710 | 551,543 | 575,468 | 544,856 | |||||||||||||||
Average deposits
|
737,851 | 723,095 | 693,998 | 730,513 | 688,088 | |||||||||||||||
Average equity
|
106,771 | 105,615 | 101,026 | 106,196 | 100,364 | |||||||||||||||
Average tangible equity
|
80,794 | 79,639 | 75,055 | 80,220 | 74,396 |
ASSET QUALITY
|
Sept. 30, 2015
|
June 30, 2015
|
Sept. 30, 2014
|
|||||||||
Non-performing loans
|
3,771 | 3,773 | 11,742 | |||||||||
Non-performing loans to total loans
|
0.63 | % | 0.66 | % | 2.12 | % | ||||||
Real estate/repossessed assets owned
|
909 | 1,349 | 3,705 | |||||||||
Non-performing assets
|
4,680 | 5,122 | 15,447 | |||||||||
Non-performing assets to total assets
|
0.52 | % | 0.60 | % | 1.84 | % | ||||||
Net loan charge-offs in the quarter
|
(76 | ) | (75 | ) | (70 | ) | ||||||
Net charge-offs in the quarter/average net loans
|
(0.05 | )% | (0.05 | )% | (0.05 | )% | ||||||
Allowance for loan losses
|
10,113 | 10,337 | 12,001 | |||||||||
Average interest-earning assets to average
|
||||||||||||
interest-bearing liabilities
|
131.73 | % | 131.71 | % | 127.72 | % | ||||||
Allowance for loan losses to
|
||||||||||||
non-performing loans
|
268.18 | % | 273.97 | % | 102.21 | % | ||||||
Allowance for loan losses to total loans
|
1.70 | % | 1.81 | % | 2.17 | % | ||||||
Shareholders’ equity to assets
|
11.87 | % | 12.14 | % | 11.92 | % | ||||||
CAPITAL RATIOS
|
||||||||||||
Total capital (to risk weighted assets)
|
16.45 | % | 16.48 | % | 16.78 | % | ||||||
Tier 1 capital (to risk weighted assets)
|
15.19 | % | 15.22 | % | 15.52 | % | ||||||
Common equity tier 1 (to risk weighted assets)
|
15.19 | % | 15.22 | % | N/A | |||||||
Tier 1 capital (to leverage assets)
|
11.22 | % | 11.17 | % | 10.97 | % | ||||||
Tangible common equity (to tangible assets)
|
9.24 | % | 9.41 | % | 9.11 | % |
DEPOSIT MIX
|
Sept. 30, 2015
|
June 30, 2015
|
Sept. 30, 2014
|
March 31, 2015
|
||||||||||||
Interest checking
|
$ | 132,727 | $ | 121,648 | $ | 107,288 | $ | 115,461 | ||||||||
Regular savings
|
83,094 | 78,844 | 71,667 | 77,132 | ||||||||||||
Money market deposit accounts
|
234,194 | 226,533 | 229,520 | 237,465 | ||||||||||||
Non-interest checking
|
176,131 | 160,830 | 145,114 | 151,953 | ||||||||||||
Certificates of deposit
|
130,850 | 134,606 | 149,046 | 138,839 | ||||||||||||
Total deposits
|
$ | 756,996 | $ | 722,461 | $ | 702,635 | $ | 720,850 |
COMPOSITION OF COMMERCIAL AND CONSTRUCTION LOANS
|
||||||||||||||||
Commercial
|
Commercial
|
|||||||||||||||
Real Estate
|
Real Estate
|
& Construction
|
||||||||||||||
Commercial
|
Mortgage
|
Construction
|
Total
|
|||||||||||||
September 30, 2015
|
(Dollars in thousands)
|
|||||||||||||||
Commercial
|
$ | 78,138 | $ | - | $ | - | $ | 78,138 | ||||||||
Commercial construction
|
- | - | 10,167 | 10,167 | ||||||||||||
Office buildings
|
- | 114,904 | - | 114,904 | ||||||||||||
Warehouse/industrial
|
- | 44,607 | - | 44,607 | ||||||||||||
Retail/shopping centers/strip malls
|
- | 57,745 | - | 57,745 | ||||||||||||
Assisted living facilities
|
- | 1,828 | - | 1,828 | ||||||||||||
Single purpose facilities
|
- | 112,354 | - | 112,354 | ||||||||||||
Land
|
- | 14,102 | - | 14,102 | ||||||||||||
Multi-family
|
- | 34,989 | - | 34,989 | ||||||||||||
One-to-four family
|
- | - | 7,137 | 7,137 | ||||||||||||
Total
|
$ | 78,138 | $ | 380,529 | $ | 17,304 | $ | 475,971 | ||||||||
March 31, 2015
|
||||||||||||||||
Commercial
|
$ | 77,186 | $ | - | $ | - | $ | 77,186 | ||||||||
Commercial construction
|
- | - | 27,967 | 27,967 | ||||||||||||
Office buildings
|
- | 86,813 | - | 86,813 | ||||||||||||
Warehouse/industrial
|
- | 42,173 | - | 42,173 | ||||||||||||
Retail/shopping centers/strip malls
|
- | 60,736 | - | 60,736 | ||||||||||||
Assisted living facilities
|
- | 1,846 | - | 1,846 | ||||||||||||
Single purpose facilities
|
- | 108,123 | - | 108,123 | ||||||||||||
Land
|
- | 15,358 | - | 15,358 | ||||||||||||
Multi-family
|
- | 30,457 | - | 30,457 | ||||||||||||
One-to-four family
|
- | - | 2,531 | 2,531 | ||||||||||||
Total
|
$ | 77,186 | $ | 345,506 | $ | 30,498 | $ | 453,190 | ||||||||
LOAN MIX
|
Sept. 30, 2015
|
June 30, 2015
|
Sept. 30, 2014
|
March 31, 2015
|
||||||||||||
Commercial and construction
|
||||||||||||||||
Commercial
|
$ | 78,138 | $ | 79,764 | $ | 80,930 | $ | 77,186 | ||||||||
Other real estate mortgage
|
380,529 | 348,691 | 329,056 | 345,506 | ||||||||||||
Real estate construction
|
17,304 | 20,397 | 18,843 | 30,498 | ||||||||||||
Total commercial and construction
|
475,971 | 448,852 | 428,829 | 453,190 | ||||||||||||
Consumer
|
||||||||||||||||
Real estate one-to-four family
|
89,520 | 87,837 | 94,536 | 89,801 | ||||||||||||
Other installment
|
30,406 | 33,492 | 29,422 | 36,781 | ||||||||||||
Total consumer
|
119,926 | 121,329 | 123,958 | 126,582 | ||||||||||||
Total loans
|
595,897 | 570,181 | 552,787 | 579,772 | ||||||||||||
Less:
|
||||||||||||||||
Allowance for loan losses
|
10,113 | 10,337 | 12,001 | 10,762 | ||||||||||||
Loans receivable, net
|
$ | 585,784 | $ | 559,844 | $ | 540,786 | $ | 569,010 |
DETAIL OF NON-PERFORMING ASSETS
|
||||||||||||||||||||||||
Northwest
|
Other
|
Southwest
|
Other
|
|||||||||||||||||||||
Oregon
|
Oregon
|
Washington
|
Washington
|
Other
|
Total
|
|||||||||||||||||||
September 30, 2015
|
(dollars in thousands)
|
|||||||||||||||||||||||
Non-performing assets
|
||||||||||||||||||||||||
Commercial real estate
|
$ | 277 | $ | 1,325 | $ | 923 | $ | - | $ | - | $ | 2,525 | ||||||||||||
Land
|
- | 801 | - | - | - | 801 | ||||||||||||||||||
Consumer
|
- | - | 26 | 233 | 186 | 445 | ||||||||||||||||||
Total non-performing loans
|
277 | 2,126 | 949 | 233 | 186 | 3,771 | ||||||||||||||||||
REO
|
374 | - | 490 | 45 | - | 909 | ||||||||||||||||||
Total non-performing assets
|
$ | 651 | $ | 2,126 | $ | 1,439 | $ | 278 | $ | 186 | $ | 4,680 |
DETAIL OF SPEC CONSTRUCTION AND LAND DEVELOPMENT LOANS
|
||||||||||||||||
Northwest
|
Other
|
Southwest
|
||||||||||||||
Oregon
|
Oregon
|
Washington
|
Total
|
|||||||||||||
September 30, 2015
|
(dollars in thousands)
|
|||||||||||||||
Land development and spec construction loans
|
||||||||||||||||
Land development loans
|
$ | 103 | $ | 2,835 | $ | 11,164 | $ | 14,102 | ||||||||
Spec construction loans
|
- | 126 | 5,908 | 6,034 | ||||||||||||
Total land development and spec construction
|
$ | 103 | $ | 2,961 | $ | 17,072 | $ | 20,136 |
At or for the three months ended
|
At or for the six months ended
|
|||||||||||||||||||
SELECTED OPERATING DATA
|
Sept. 30, 2015
|
June 30, 2015
|
Sept. 30, 2014
|
Sept. 30, 2015
|
Sept. 30, 2014
|
|||||||||||||||
Efficiency ratio (4)
|
77.66 | % | 80.07 | % | 85.81 | % | 78.88 | % | 87.99 | % | ||||||||||
Coverage ratio (6)
|
98.34 | % | 91.98 | % | 87.57 | % | 95.06 | % | 84.88 | % | ||||||||||
Return on average assets (1)
|
0.75 | % | 0.75 | % | 0.52 | % | 0.75 | % | 0.44 | % | ||||||||||
Return on average equity (1)
|
6.16 | % | 6.07 | % | 4.26 | % | 6.12 | % | 3.62 | % | ||||||||||
NET INTEREST SPREAD
|
||||||||||||||||||||
Yield on loans
|
4.69 | % | 4.80 | % | 4.67 | % | 4.74 | % | 4.63 | % | ||||||||||
Yield on investment securities
|
2.03 | % | 2.04 | % | 1.97 | % | 2.04 | % | 1.96 | % | ||||||||||
Total yield on interest earning assets
|
3.86 | % | 3.92 | % | 3.88 | % | 3.89 | % | 3.81 | % | ||||||||||
Cost of interest bearing deposits
|
0.21 | % | 0.22 | % | 0.25 | % | 0.21 | % | 0.25 | % | ||||||||||
Cost of FHLB advances and other borrowings
|
2.22 | % | 2.16 | % | 2.34 | % | 2.19 | % | 2.35 | % | ||||||||||
Total cost of interest bearing liabilities
|
0.29 | % | 0.30 | % | 0.34 | % | 0.30 | % | 0.34 | % | ||||||||||
Spread (7)
|
3.57 | % | 3.62 | % | 3.54 | % | 3.59 | % | 3.47 | % | ||||||||||
Net interest margin
|
3.64 | % | 3.69 | % | 3.61 | % | 3.67 | % | 3.54 | % | ||||||||||
PER SHARE DATA
|
||||||||||||||||||||
Basic earnings per share (2)
|
$ | 0.07 | $ | 0.07 | $ | 0.05 | $ | 0.14 | $ | 0.08 | ||||||||||
Diluted earnings per share (3)
|
0.07 | 0.07 | 0.05 | 0.14 | 0.08 | |||||||||||||||
Book value per share (5)
|
4.73 | 4.64 | 4.46 | 4.73 | 4.46 | |||||||||||||||
Tangible book value per share (5)
|
3.57 | 3.49 | 3.31 | 3.57 | 3.31 | |||||||||||||||
Market price per share:
|
||||||||||||||||||||
High for the period
|
$ | 4.75 | $ | 4.52 | $ | 3.99 | $ | 4.75 | $ | 4.03 | ||||||||||
Low for the period
|
4.15 | 4.08 | 3.67 | 4.08 | 3.38 | |||||||||||||||
Close for period end
|
4.75 | 4.28 | 3.99 | 4.75 | 3.99 | |||||||||||||||
Cash dividends declared per share
|
0.0150 | 0.0125 | - | 0.0275 | - | |||||||||||||||
Average number of shares outstanding:
|
||||||||||||||||||||
Basic (2)
|
22,449,386 | 22,434,327 | 22,388,753 | 22,441,898 | 22,385,691 | |||||||||||||||
Diluted (3)
|
22,490,351 | 22,477,006 | 22,419,469 | 22,483,711 | 22,414,212 |
(1)
|
Amounts for the quarterly periods are annualized.
|
(2)
|
Amounts exclude ESOP shares not committed to be released.
|
(3)
|
Amounts exclude ESOP shares not committed to be released and include common stock equivalents.
|
(4)
|
Non-interest expense divided by net interest income and non-interest income.
|
(5)
|
Amounts calculated based on shareholders’ equity and include ESOP shares not committed to be released.
|
(6)
|
Net interest income divided by non-interest expense.
|
(7)
|
Yield on interest-earning assets less cost of funds on interest-bearing liabilities.
|
1 Year Riverview Bancorp Chart |
1 Month Riverview Bancorp Chart |
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