0000939057-18-000034.txt : 20180131 0000939057-18-000034.hdr.sgml : 20180131 20180131144546 ACCESSION NUMBER: 0000939057-18-000034 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 4 CONFORMED PERIOD OF REPORT: 20180125 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20180131 DATE AS OF CHANGE: 20180131 FILER: COMPANY DATA: COMPANY CONFORMED NAME: RIVERVIEW BANCORP INC CENTRAL INDEX KEY: 0001041368 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 911838969 STATE OF INCORPORATION: WA FISCAL YEAR END: 0630 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-22957 FILM NUMBER: 18562296 BUSINESS ADDRESS: STREET 1: 900 WASHINGTON STREET STREET 2: SUITE 900 CITY: VANCOUVER STATE: WA ZIP: 98660 BUSINESS PHONE: 360-693-6650 MAIL ADDRESS: STREET 1: 900 WASHINGTON STREET STREET 2: SUITE 900 CITY: VANCOUVER STATE: WA ZIP: 98660 8-K 1 riv8k12518.htm FORM 8-K
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 8-K

CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934


Date of Report (Date of earliest event reported): January 25, 2018

RIVERVIEW BANCORP, INC.
(Exact name of registrant as specified in its charter)

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)

Registrant's telephone number, including area code:  (360) 693-6650


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))
 
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company [ ]
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. [ ]



Item 2.02 Results of Operations and Financial Condition.

On January 25, 2018, Riverview Bancorp, Inc. issued its earnings release for the quarter ended December 31, 2017.  A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

Item 9.01  Financial Statements and Exhibits.

(d)    Exhibits

The following exhibit is being furnished herewith and this list shall constitute the exhibit index:










SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
 
 
RIVERVIEW BANCORP, INC.
 
 
 
 
Date: January 25, 2018
/s/David Lam                                          
 
David Lam
 
Chief Financial Officer
 
 
 
 
 
 
 
 
 


EX-99.1 2 riv8k12518exh991.htm EXHIBIT 99.1
Exhibit 99.1
 
Contacts:          Pat Sheaffer or Kevin Lycklama
Riverview Bancorp, Inc. 360-693-6650
 
 


Riverview Bancorp Reports Earnings for Third Fiscal Quarter 2018
Pre-Tax Income increases 72% Year-Over-Year

Vancouver, WA – January 25, 2018 - Riverview Bancorp, Inc. (Nasdaq GSM: RVSB) ("Riverview" or the "Company") today reported net income of $1.5 million, or $0.07 per diluted share, in its third fiscal quarter ended December 31, 2017. This compares to net income of $3.1 million, or $0.14 per diluted share, in the preceding quarter and net income of $2.0 million, or $0.09 per diluted share, in the third fiscal quarter a year ago. Net income was impacted during the current quarter due to a valuation adjustment of the Company's net deferred tax asset along with the use of a lower blended tax rate, which resulted in an additional net income tax expense of $1.8 million, or $0.08 per diluted share. Pre-tax income for the third fiscal quarter of 2018 was $5.1 million, which was a $449,000, or 9.6%, increase compared to the preceding quarter and a $2.1 million, or 71.8%, increase from the year ago quarter.
In the first nine months of fiscal year 2018, Riverview's net income increased to $7.2 million, or $0.32 per diluted share, compared to $5.4 million, or $0.24 per diluted share, in the first nine months of fiscal year 2017.
"Riverview had another successful quarter with strong net interest income generation, an expanding net interest margin and continued operating efficiencies," stated Pat Sheaffer, chairman, chief executive officer and president. "With the successful integration of the MBank transaction behind us, our focus remains on expanding our franchise. We will continue to look for growth opportunities in the Portland area and its surrounding markets."
As a result of the Tax Cuts and Jobs Act (the "Tax Act") enacted on December 22, 2017, Riverview revalued its deferred tax assets and liabilities to account for the future impact of lower corporate tax rates and other provisions of the Tax Act. Based on its preliminary analysis, Riverview recorded a one-time net tax charge of $1.8 million related to the lower corporate tax rate adopted in the Tax Act. This increase in income tax expense was reflected in Riverview's operating results for the third fiscal quarter of 2018 and was in addition to the normal provision for income tax related to pre-tax net operating income.
"We recorded an additional net income tax expense of $1.8 million, or $0.08 per diluted share, due to the passage of the Tax Cuts and Jobs Act in the third fiscal quarter of 2018," said Kevin Lycklama, executive vice president and chief operating officer. "Going forward, we expect to fully recoup this additional expense within the next fiscal year, due to the lower corporate tax rate. The effective tax rate for our fourth fiscal quarter of 2018 is expected to be approximately 31.5% due to our use of a blended tax rate for the remainder of this fiscal year. We expect our effective tax rate will decline to approximately 22.5% beginning on April 1, 2018 at the start of our new fiscal year."
Third Quarter Highlights (at or for the period ended December 31, 2017)
 
·
Net interest margin (NIM) expanded by three basis points to 4.06% compared to the preceding quarter and expanded 31 basis points compared to the third quarter a year ago.
·
Total loans increased $13.6 million during the quarter to $797.3 million.
·
Non-performing assets were 0.26% of total assets.
·
Efficiency ratio improved to 62.5%.
·
Tangible book value per share was $3.93.
·
Total risk-based capital ratio was 15.07% and Tier 1 leverage ratio was 9.82%.
·
Declared quarterly cash dividend of $0.03 per share, generating a current dividend yield of 1.28% based on the market price on January 23, 2018.
 

RVSB Reports Third Quarter Fiscal 2018 Results
January 25, 2018
Page 2
Income Statement
Riverview's net interest income was $10.8 million in the third fiscal quarter of 2018, a $71,000 increase compared to $10.7 million in the preceding quarter and a $2.3 million increase compared to $8.5 million in the third fiscal quarter a year ago. In the first nine months of fiscal 2018, net interest income increased $7.5 million to $32.0 million compared to $24.4 million in the first nine months of fiscal 2017.
"Our net interest margin expanded three basis points in the third quarter of fiscal 2018 compared to the prior linked quarter reflecting a lower balance of cash and liquid assets earning a nominal yield," said Lycklama. The interest accretion on purchased loans totaled $175,000 and resulted in a six basis point increase in the NIM during the third fiscal quarter. Fiscal year-to-date, the NIM increased 33 basis points to 4.06% compared to 3.73% in the first nine months of fiscal 2017.
Non-interest income was $2.9 million in the third fiscal quarter, a $177,000 increase compared to $2.7 million the prior quarter and a $557,000 increase compared to $2.3 million in the same quarter a year ago. In the first nine months of fiscal 2018, non-interest income increased to $8.3 million compared to $7.4 million in the first nine months of fiscal 2017. The nine month year over year increase was primarily due to an increase in fees and service charges and asset management fees.
Asset management fees were $911,000 in the third fiscal quarter of 2018 compared to $818,000 in the preceding quarter and $709,000 in the third fiscal quarter a year ago. Riverview Trust Company's ("RTC") assets under management increased to $490.1 million at December 31, 2017 compared to $461.2 million three months earlier and $403.3 million a year earlier. During the fourth quarter of fiscal 2017, RTC opened a second office in the Portland suburb of Lake Oswego, expanding its footprint and product offerings in the Portland market.
Non-interest expense decreased $201,000 to $8.6 million during the third fiscal quarter of 2018 compared to $8.8 million in the preceding quarter and increased $707,000 from $7.9 million for the same prior year period mainly due to the MBank transaction. There were no transaction related costs from the MBank transaction in the current quarter compared to $177,000 in transaction related costs during the preceding quarter. The efficiency ratio improved to 62.5% for the quarter ended December 31, 2017, compared to 65.2% in the preceding quarter and 72.5% in the third fiscal quarter a year ago. "With all MBank transaction costs behind us, we expect to continue to capitalize on the cost savings and operating efficiencies associated with a larger organization," said Lycklama. "We will continue to look for other opportunities to improve profitability and increase shareholder value."
Balance Sheet Review
Total loans increased $13.6 million during the quarter to $797.3 million at December 31, 2017 compared to $783.7 million at September 30, 2017, and increased $133.0 million compared to $664.3 million a year ago. The growth in the loan portfolio was primarily concentrated in commercial business, multi-family and warehouse/industrial loans. Undisbursed construction loans totaled $61.8 million at December 31, 2017, with the majority of the undisbursed construction loans expected to fund over the next several quarters. The commercial loan pipeline totaled $61.6 million at the end of the quarter.
Total deposits increased $131.8 million to $972.2 million at December 31, 2017 compared to $840.4 million a year ago but decreased compared to $990.3 million at September 30, 2017. The decrease compared to the prior quarter end was primarily due to the timing of deposit transactions. Core deposits represent 98.0% of total deposits at December 31, 2017.
Shareholders' equity was $116.8 million at December 31, 2017 compared to $116.7 million three months earlier and $109.4 million a year earlier. Tangible book value per share was $3.93 at both December 31, 2017 and September 30, 2017 and an increase compared to $3.72 at December 31, 2016. A quarterly cash dividend of $0.03 per share was paid on January 23, 2018.
Credit Quality
Classified assets totaled $6.9 million at December 31, 2017 compared to $7.1 million at September 30, 2017 and the classified asset to total capital ratio was 5.7% compared to 6.0%, respectively.
 

RVSB Reports Third Quarter Fiscal 2018 Results
January 25, 2018
Page 3
 
Riverview's non-performing loans were $2.7 million, or 0.33% of total loans, at December 31, 2017 compared to $2.8 million, or 0.35% of total loans, three months earlier. Real estate owned balances of $298,000 at December 31, 2017 were unchanged compared to the preceding quarter end.
The allowance for loan losses totaled $10.9 million, representing 1.36% of total loans at December 31, 2017 compared to $10.6 million and 1.35% of total loans at September 30, 2017. Included in the carrying value of loans are net discounts on the MBank purchased loans which may reduce the need for an allowance for loan losses on these loans, because they are carried at an amount below the outstanding principal balance. The remaining net discount on these purchased loans was $2.4 million at December 31, 2017 compared to $2.6 million at the end of the prior quarter. Net loan recoveries were $250,000 during the third fiscal quarter of 2018 compared to $20,000 in the preceding quarter.
Riverview recorded no provision for loan losses during the third fiscal quarter of 2018 or in the preceding quarter, primarily as a result of the lower levels of delinquent, nonperforming and classified loans, elevated levels of net recoveries, as well as stabilizing values in our market areas which mitigated the required allowance for loan losses due to our loan growth.
Capital
Riverview continues to maintain capital levels well in excess of the regulatory requirements to be categorized as "well capitalized" with a total risk-based capital ratio of 15.07% and a Tier 1 leverage ratio of 9.82% at December 31, 2017. In addition at that date the Company's  tangible common equity to tangible assets ratio was 8.05%.
Non-GAAP Financial Measures
In addition to results presented in accordance with generally accepted accounting principles ("GAAP"), this press release contains certain non-GAAP financial measures. We believe that certain non-GAAP financial measures provide investors with information useful in understanding the Company's financial performance; however, readers of this report are urged to review these non-GAAP financial measures in conjunction with GAAP results as reported.
Financial measures that exclude intangible assets are non-GAAP measures. To provide investors with a broader understanding of capital adequacy, Riverview provides non-GAAP financial measures for tangible common equity, along with the GAAP measure. Tangible common equity is calculated as shareholders' equity less goodwill and other intangible assets. In addition, tangible assets are total assets less goodwill and other intangible assets. We calculate tangible book value per share by dividing tangible common equity by the number of common shares outstanding.  This non-GAAP financial measure has inherent limitations, is not required to be uniformly applied and is not audited. Further, the non-GAAP financial measure should not be considered in isolation or as a substitute for book value per share or total stockholders' equity determined in accordance with GAAP and may not be comparable to similarly titled measures reported by other companies. Reconciliations of the GAAP and non-GAAP financial measures are presented below.
(Dollars in thousands)
 
December 31, 2017
   
September 30, 2017
   
December 31, 2016
   
March 31, 2017
 
                         
Shareholders' equity
 
$
116,803
   
$
116,742
   
$
109,400
   
$
111,264
 
Goodwill
   
27,076
     
27,076
     
25,572
     
27,076
 
Core deposit intangible, net
   
1,161
     
1,219
     
-
     
1,335
 
                                 
Tangible shareholders' equity
 
$
88,566
   
$
88,447
   
$
83,828
   
$
82,853
 
                                 
Total assets
 
$
1,128,342
   
$
1,147,680
   
$
985,669
   
$
1,133,939
 
Goodwill
   
27,076
     
27,076
     
25,572
     
27,076
 
Core deposit intangible, net
   
1,161
     
1,219
     
-
     
1,335
 
                                 
Tangible assets
 
$
1,100,105
   
$
1,119,385
   
$
960,097
   
$
1,105,528
 


RVSB Reports Third Quarter Fiscal 2018 Results
January 25, 2018
Page 4
About Riverview
Riverview Bancorp, Inc. (www.riverviewbank.com) is headquartered in Vancouver, Washington – just north of Portland, Oregon on the I-5 corridor. With assets of $1.13 billion at December 31, 2017, it is the parent company of the 94-year-old Riverview Community Bank, as well as Riverview Trust Company. The Bank offers true community banking services, focusing on providing the highest quality service and financial products to commercial and retail customers. There are 19 branches, including 14 in the Portland-Vancouver area and three lending centers. For the past 4 years, Riverview has been named Best Bank by the readers of The Vancouver Business Journal, The Columbian and The Gresham Outlook.
"Safe Harbor" statement under the Private Securities Litigation Reform Act of 1995: This press release contains forward-looking statements that are subject to risks and uncertainties, including, but not limited to: expected cost savings, synergies and other financial benefits from our recent purchase of certain assets and assumption of certain liabilities of MBank and Merchants Bancorp pursuant to the Purchase and Assumption Agreement (the "Agreement") with Merchants Bancorp and its wholly owned subsidiary MBank (the "transaction") might not be realized within the expected time frames or at all, and costs or difficulties relating to integration matters might be greater than expected; the Company's ability to raise common capital; the credit risks of lending activities, including changes in the level and trend of loan delinquencies and write-offs and changes in the Company's allowance for loan losses and provision for loan losses that may be impacted by deterioration in the housing and commercial real estate markets; changes in general economic conditions, either nationally or in the Company's market areas; changes in the levels of general interest rates, and the relative differences between short and long term interest rates, deposit interest rates, the Company's net interest margin and funding sources; fluctuations in the demand for loans, the number of unsold homes, land and other properties and fluctuations in real estate values in the Company's market areas; secondary market conditions for loans and the Company's ability to sell loans in the secondary market; results of examinations of us by the Office of Comptroller of the Currency or other regulatory authorities, including the possibility that any such regulatory authority may, among other things, require us to increase the Company's reserve for loan losses, write-down assets, change Riverview Community Bank's regulatory capital position or affect the Company's ability to borrow funds or maintain or increase deposits, which could adversely affect its liquidity and earnings; legislative or regulatory changes that adversely affect the Company's business including changes in regulatory policies and principles, or the interpretation of regulatory capital or other rules; the Company's ability to attract and retain deposits; further increases in premiums for deposit insurance; the Company's ability to control operating costs and expenses; the use of estimates in determining fair value of certain of the Company's assets, which estimates may prove to be incorrect and result in significant declines in valuation; difficulties in reducing risks associated with the loans on the Company's balance sheet; staffing fluctuations in response to product demand or the implementation of corporate strategies that affect the Company's workforce and potential associated charges; computer systems on which the Company depends could fail or experience a security breach; the Company's ability to retain key members of its senior management team; costs and effects of litigation, including settlements and judgments; the Company's ability to successfully integrate any assets, liabilities, customers, systems, and management personnel it may in the future acquire into its operations and the Company's ability to realize related revenue synergies and cost savings within expected time frames and any goodwill charges related thereto; increased competitive pressures among financial services companies; changes in consumer spending, borrowing and savings habits; the availability of resources to address changes in laws, rules, or regulations or to respond to regulatory actions; the Company's ability to pay dividends on its common stock; and interest or principal payments on its junior subordinated debentures; adverse changes in the securities markets; inability of key third-party providers to perform their obligations to us; changes in accounting policies and practices, as may be adopted by the financial institution regulatory agencies or the Financial Accounting Standards Board, including additional guidance and interpretation on accounting issues and details of the implementation of new accounting methods; other economic, competitive, governmental, regulatory, and technological factors affecting the Company's operations, pricing, products and services and the other risks described from time to time in our filings with the SEC.
Such forward-looking statements may include projections. Any such projections were not prepared in accordance with published guidelines of the American Institute of Certified Public Accountants or the Securities Exchange Commission regarding projections and forecasts nor have such projections been audited, examined or otherwise reviewed by independent auditors of the Company. In addition, such projections are based upon many estimates and inherently subject to significant economic and competitive uncertainties and contingencies, many of which are beyond the control of management of the Company. Accordingly, actual results may be materially higher or lower than those projected. The inclusion of such projections herein should not be regarded as a representation by the Company that the projections will prove to be correct.
The Company cautions readers not to place undue reliance on any forward-looking statements. Moreover, you should treat these statements as speaking only as of the date they are made and based only on information then actually known to the Company. The Company does not undertake and specifically disclaims any obligation to revise any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements. These risks could cause our
 

RVSB Reports Third Quarter Fiscal 2018 Results
January 25, 2018
Page 5
 
actual results for fiscal 2018 and beyond to differ materially from those expressed in any forward-looking statements by, or on behalf of, us, and could negatively affect the Company's operating and stock price performance.
 
 
 
 
 
 

 


RVSB Reports Third Quarter Fiscal 2018 Results
January 25, 2018
Page 6
 
RIVERVIEW BANCORP, INC. AND SUBSIDIARY
                       
Consolidated Balance Sheets
                       
(In thousands, except share data)  (Unaudited)
 
December 31,
2017
   
September 30,
2017
   
December 31,
2016
   
March 31,
2017
 
ASSETS
                       
                         
Cash (including interest-earning accounts of $3,739, $59,315, $14,302
 
$
23,105
   
$
76,245
   
$
28,262
   
$
64,613
 
and $46,245)
                               
Certificate of deposits held for investment
   
6,963
     
9,797
     
11,291
     
11,042
 
Loans held for sale
   
351
     
347
     
1,679
     
478
 
Investment securities:
                               
Available for sale, at estimated fair value
   
224,931
     
200,584
     
207,271
     
200,214
 
Held to maturity, at amortized cost
   
44
     
46
     
67
     
64
 
Loans receivable (net of allowance for loan losses of $10,867, $10,617
                               
$10,289, and $10,528)
   
786,460
     
773,087
     
654,053
     
768,904
 
Real estate owned
   
298
     
298
     
298
     
298
 
Prepaid expenses and other assets
   
4,843
     
4,227
     
4,832
     
3,815
 
Accrued interest receivable
   
3,464
     
3,111
     
2,846
     
2,941
 
Federal Home Loan Bank stock, at cost
   
1,223
     
1,181
     
1,060
     
1,181
 
Premises and equipment, net
   
15,680
     
15,740
     
13,953
     
16,232
 
Deferred income taxes, net
   
3,988
     
6,167
     
8,665
     
7,610
 
Mortgage servicing rights, net
   
399
     
406
     
390
     
398
 
Goodwill
   
27,076
     
27,076
     
25,572
     
27,076
 
Core deposit intangible, net
   
1,161
     
1,219
     
-
     
1,335
 
Bank owned life insurance
   
28,356
     
28,149
     
25,430
     
27,738
 
                                 
TOTAL ASSETS
 
$
1,128,342
   
$
1,147,680
   
$
985,669
   
$
1,133,939
 
                                 
LIABILITIES AND SHAREHOLDERS' EQUITY
                               
                                 
LIABILITIES:
                               
Deposits
 
$
972,214
   
$
990,299
   
$
840,391
   
$
980,058
 
Accrued expenses and other liabilities
   
9,117
     
10,838
     
10,450
     
13,080
 
Advance payments by borrowers for taxes and insurance
   
260
     
920
     
288
     
693
 
Federal Home Loan Bank advances
   
1,050
     
-
     
-
     
-
 
Junior subordinated debentures
   
26,461
     
26,438
     
22,681
     
26,390
 
Capital lease obligations
   
2,437
     
2,443
     
2,459
     
2,454
 
Total liabilities
   
1,011,539
     
1,030,938
     
876,269
     
1,022,675
 
                                 
SHAREHOLDERS' EQUITY:
                               
Serial preferred stock, $.01 par value; 250,000 authorized,
                               
issued and outstanding, none
   
-
     
-
     
-
     
-
 
Common stock, $.01 par value; 50,000,000 authorized,
                               
December 31, 2017 - 22,551,912 issued and outstanding;
                               
September 30, 2017 - 22,533,912 issued and outstanding;
   
226
     
225
     
225
     
225
 
December 31, 2016 - 22,510,890 issued and outstanding;
                               
March 31, 2017 – 22,510,890 issued and outstanding;
                               
Additional paid-in capital
   
64,703
     
64,612
     
64,448
     
64,468
 
Retained earnings
   
53,878
     
53,034
     
46,750
     
48,335
 
Unearned shares issued to employee stock ownership plan
   
-
     
(26
)
   
(103
)
   
(77
)
Accumulated other comprehensive loss
   
(2,004
)
   
(1,103
)
   
(1,920
)
   
(1,687
)
Total shareholders' equity
   
116,803
     
116,742
     
109,400
     
111,264
 
                                 
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY
 
$
1,128,342
   
$
1,147,680
   
$
985,669
   
$
1,133,939
 

 

RVSB Reports Third Quarter Fiscal 2018 Results
January 25, 2018
Page 7
 
RIVERVIEW BANCORP, INC. AND SUBSIDIARY
                             
Consolidated Statements of Income
                             
   
Three Months Ended
   
Nine Months Ended
 
(In thousands, except share data)   (Unaudited)
 
Dec. 31, 2017
   
Sept. 30, 2017
   
Dec. 31, 2016
   
Dec. 31, 2017
   
Dec. 31, 2016
 
INTEREST INCOME:
                             
Interest and fees on loans receivable
 
$
9,978
   
$
9,994
   
$
7,883
   
$
29,761
   
$
22,954
 
Interest on investment securities - taxable
   
1,201
     
1,079
     
946
     
3,413
     
2,435
 
Interest on investment securities - nontaxable
   
31
     
14
     
11
     
59
     
11
 
Other interest and dividends
   
168
     
228
     
112
     
483
     
344
 
Total interest and dividend income
   
11,378
     
11,315
     
8,952
     
33,716
     
25,744
 
                                         
INTEREST EXPENSE:
                                       
Interest on deposits
   
298
     
313
     
277
     
933
     
837
 
Interest on borrowings
   
284
     
277
     
173
     
829
     
494
 
Total interest expense
   
582
     
590
     
450
     
1,762
     
1,331
 
Net interest income
   
10,796
     
10,725
     
8,502
     
31,954
     
24,413
 
Provision for loan losses
   
-
     
-
     
-
     
-
     
-
 
                                         
Net interest income after provision for loan losses
   
10,796
     
10,725
     
8,502
     
31,954
     
24,413
 
                                         
NON-INTEREST INCOME:
                                       
Fees and service charges
   
1,451
     
1,490
     
1,304
     
4,348
     
3,815
 
Asset management fees
   
911
     
818
     
709
     
2,582
     
2,258
 
Net gain on sale of loans held for sale
   
140
     
157
     
191
     
522
     
493
 
Bank owned life insurance
   
207
     
204
     
185
     
618
     
566
 
Other, net
   
181
     
44
     
(56
)
   
271
     
296
 
Total non-interest income
   
2,890
     
2,713
     
2,333
     
8,341
     
7,428
 
                                         
NON-INTEREST EXPENSE:
                                       
Salaries and employee benefits
   
5,383
     
5,251
     
4,850
     
16,056
     
14,021
 
Occupancy and depreciation
   
1,347
     
1,412
     
1,158
     
4,105
     
3,520
 
Data processing
   
534
     
580
     
562
     
1,730
     
1,533
 
Amortization of core deposit intangible
   
58
     
58
     
-
     
174
     
-
 
Advertising and marketing expense
   
137
     
256
     
163
     
627
     
608
 
FDIC insurance premium
   
108
     
136
     
77
     
389
     
273
 
State and local taxes
   
96
     
177
     
170
     
427
     
455
 
Telecommunications
   
102
     
103
     
75
     
309
     
224
 
Professional fees
   
250
     
261
     
355
     
926
     
1,066
 
Real estate owned expenses
   
3
     
3
     
2
     
8
     
52
 
Other
   
540
     
522
     
439
     
1,740
     
2,311
 
Total non-interest expense
   
8,558
     
8,759
     
7,851
     
26,491
     
24,063
 
                                         
INCOME BEFORE INCOME TAXES
   
5,128
     
4,679
     
2,984
     
13,804
     
7,778
 
PROVISION FOR INCOME TAXES
   
3,608
     
1,620
     
991
     
6,571
     
2,408
 
NET INCOME
 
$
1,520
   
$
3,059
   
$
1,993
   
$
7,233
   
$
5,370
 
                                         
Earnings per common share:
                                       
Basic
 
$
0.07
   
$
0.14
   
$
0.09
   
$
0.32
   
$
0.24
 
Diluted
 
$
0.07
   
$
0.14
   
$
0.09
   
$
0.32
   
$
0.24
 
Weighted average number of common shares outstanding:
                                       
Basic
   
22,537,092
     
22,518,941
     
22,490,433
     
22,520,352
     
22,477,473
 
Diluted
   
22,622,129
     
22,609,480
     
22,563,712
     
22,608,603
     
22,537,663
 



RVSB Reports Third Quarter Fiscal 2018 Results
January 25, 2018
Page 8

(Dollars in thousands)
 
At or for the three months ended
   
At or for the nine months ended
 
   
Dec. 31, 2017
   
Sept. 30, 2017
   
Dec. 31, 2016
   
Dec. 31, 2017
   
Dec. 31, 2016
 
AVERAGE BALANCES
                             
Average interest–earning assets
 
$
1,055,600
   
$
1,056,818
   
$
900,542
   
$
1,045,283
   
$
869,364
 
Average interest-bearing liabilities
   
744,431
     
749,172
     
652,195
     
746,262
     
636,795
 
Net average earning assets
   
311,169
     
307,646
     
248,347
     
299,021
     
232,569
 
Average loans
   
785,264
     
783,213
     
658,212
     
784,926
     
645,598
 
Average deposits
   
988,558
     
992,111
     
839,588
     
980,766
     
810,700
 
Average equity
   
118,831
     
116,675
     
112,444
     
116,399
     
111,261
 
Average tangible equity (non-GAAP)
   
90,562
     
88,351
     
86,872
     
88,074
     
85,689
 
 
 
ASSET QUALITY
 
Dec. 31, 2017
   
Sept. 30, 2017
   
Dec. 31, 2016
 
                   
Non-performing loans
 
$
2,656
   
$
2,745
   
$
2,787
 
Non-performing loans to total loans
   
0.33
%
   
0.35
%
   
0.42
%
Real estate/repossessed assets owned
 
$
298
   
$
298
   
$
298
 
Non-performing assets
 
$
2,954
   
$
3,043
   
$
3,085
 
Non-performing assets to total assets
   
0.26
%
   
0.27
%
   
0.31
%
Net recoveries in the quarter
 
$
(250
)
 
$
(20
)
 
$
(226
)
Net recoveries in the quarter/average net loans
   
(0.13
)%
   
(0.01
)%
   
(0.14
)%
                         
Allowance for loan losses
 
$
10,867
   
$
10,617
   
$
10,289
 
Average interest-earning assets to average
                       
  interest-bearing liabilities
   
141.80
%
   
141.06
%
   
138.08
%
Allowance for loan losses to
                       
  non-performing loans
   
409.15
%
   
386.78
%
   
369.18
%
Allowance for loan losses to total loans
   
1.36
%
   
1.35
%
   
1.55
%
Shareholders' equity to assets
   
10.35
%
   
10.17
%
   
11.10
%
                         
                         
CAPITAL RATIOS
                       
Total capital (to risk weighted assets)
   
15.07
%
   
15.07
%
   
15.93
%
Tier 1 capital (to risk weighted assets)
   
13.82
%
   
13.82
%
   
14.68
%
Common equity tier 1 (to risk weighted assets)
   
13.82
%
   
13.82
%
   
14.68
%
Tier 1 capital (to average tangible assets)
   
9.82
%
   
9.75
%
   
10.81
%
Tangible common equity (to average tangible assets)
   
8.05
%
   
7.90
%
   
8.73
%
 
 
DEPOSIT MIX
 
Dec. 31, 2017
   
Sept. 30, 2017
   
Dec. 31, 2016
   
March 31, 2017
 
                         
Interest checking
 
$
170,151
   
$
175,127
   
$
167,522
   
$
171,152
 
Regular savings
   
136,249
     
134,116
     
109,629
     
126,370
 
Money market deposit accounts
   
270,193
     
274,409
     
250,900
     
289,998
 
Non-interest checking
   
264,728
     
270,678
     
202,080
     
242,738
 
Certificates of deposit
   
130,893
     
135,969
     
110,260
     
149,800
 
Total deposits
 
$
972,214
   
$
990,299
   
$
840,391
   
$
980,058
 
 

RVSB Reports Third Quarter Fiscal 2018 Results
January 25, 2018
Page 9
 
COMPOSITION OF COMMERCIAL AND CONSTRUCTION LOANS
             
                         
         
Other
         
Commercial
 
   
Commercial
   
Real Estate
   
Real Estate
   
& Construction
 
   
Business
   
Mortgage
   
Construction
   
Total
 
December 31, 2017
 
(Dollars in thousands)
 
Commercial business
 
$
130,960
   
$
-
   
$
-
   
$
130,960
 
Commercial construction
   
-
     
-
     
25,384
     
25,384
 
Office buildings
   
-
     
122,281
     
-
     
122,281
 
Warehouse/industrial
   
-
     
83,829
     
-
     
83,829
 
Retail/shopping centers/strip malls
   
-
     
67,751
     
-
     
67,751
 
Assisted living facilities
   
-
     
2,982
     
-
     
2,982
 
Single purpose facilities
   
-
     
165,060
     
-
     
165,060
 
Land
   
-
     
12,469
     
-
     
12,469
 
Multi-family
   
-
     
61,851
     
-
     
61,851
 
One-to-four family construction
   
-
     
-
     
15,359
     
15,359
 
  Total
 
$
130,960
   
$
516,223
   
$
40,743
   
$
687,926
 
                                 
March 31, 2017
                               
Commercial business
 
$
107,371
   
$
-
   
$
-
   
$
107,371
 
Commercial construction
   
-
     
-
     
27,050
     
27,050
 
Office buildings
   
-
     
121,983
     
-
     
121,983
 
Warehouse/industrial
   
-
     
74,671
     
-
     
74,671
 
Retail/shopping centers/strip malls
   
-
     
78,757
     
-
     
78,757
 
Assisted living facilities
   
-
     
3,686
     
-
     
3,686
 
Single purpose facilities
   
-
     
167,974
     
-
     
167,974
 
Land
   
-
     
15,875
     
-
     
15,875
 
Multi-family
   
-
     
43,715
     
-
     
43,715
 
One-to-four family construction
   
-
     
-
     
19,107
     
19,107
 
  Total
 
$
107,371
   
$
506,661
   
$
46,157
   
$
660,189
 
 
 
 
LOAN MIX
 
Dec. 31, 2017
   
Sept. 30, 2017
   
Dec. 31, 2016
   
March 31, 2017
 
   
(Dollars in thousands)
 
Commercial and construction
                       
  Commercial business
 
$
130,960
   
$
118,444
   
$
64,401
   
$
107,371
 
  Other real estate mortgage
   
516,223
     
500,382
     
432,782
     
506,661
 
  Real estate construction
   
40,743
     
53,878
     
52,707
     
46,157
 
    Total commercial and construction
   
687,926
     
672,704
     
549,890
     
660,189
 
Consumer
                               
  Real estate one-to-four family
   
91,752
     
90,764
     
85,956
     
92,865
 
  Other installment
   
17,649
     
20,236
     
28,496
     
26,378
 
    Total consumer
   
109,401
     
111,000
     
114,452
     
119,243
 
                                 
Total loans
   
797,327
     
783,704
     
664,342
     
779,432
 
                                 
Less:
                               
  Allowance for loan losses
   
10,867
     
10,617
     
10,289
     
10,528
 
  Loans receivable, net
 
$
786,460
   
$
773,087
   
$
654,053
   
$
768,904
 

 

RVSB Reports Third Quarter Fiscal 2018 Results
January 25, 2018
Page 10
 

DETAIL OF NON-PERFORMING ASSETS
                         
                               
   
Other
   
Southwest
   
Other
             
   
Oregon
   
Washington
   
Washington
   
Other
   
Total
 
December 31, 2017
 
(dollars in thousands)
 
                               
Commercial business
 
$
-
   
$
289
   
$
-
   
$
-
   
$
289
 
Commercial real estate
   
1,084
     
207
     
-
     
-
     
1,291
 
Land
   
770
     
-
     
-
     
-
     
770
 
Consumer
   
-
     
207
     
-
     
99
     
306
 
Total non-performing loans
   
1,854
     
703
     
-
     
99
     
2,656
 
                                         
  REO
   
-
     
-
     
298
     
-
     
298
 
                                         
Total non-performing assets
 
$
1,854
   
$
703
   
$
298
   
$
99
   
$
2,954
 
 
 
DETAIL OF LAND DEVELOPMENT AND SPECULATIVE CONSTRUCTION LOANS
 
                         
   
Northwest
   
Other
   
Southwest
       
   
Oregon
   
Oregon
   
Washington
   
Total
 
December 31, 2017
 
(dollars in thousands)
 
                         
Land development
 
$
486
   
$
896
   
$
11,087
   
$
12,469
 
Speculative construction
   
-
     
371
     
12,335
     
12,706
 
                                 
Total land development and speculative construction
 
$
486
   
$
1,267
   
$
23,422
   
$
25,175
 

 
 

RVSB Reports Third Quarter Fiscal 2018 Results
January 25, 2018
Page 11
 
   
At or for the three months ended
   
At or for the nine months ended
 
SELECTED OPERATING DATA
 
Dec. 31, 2017
   
Sept. 30, 2017
   
Dec. 31, 2016
   
Dec. 31, 2017
   
Dec. 31, 2016
 
                               
Efficiency ratio (4)
   
62.53
%
   
65.18
%
   
72.46
%
   
65.74
%
   
75.57
%
Coverage ratio (6)
   
126.15
%
   
122.45
%
   
108.29
%
   
120.62
%
   
101.45
%
Return on average assets (1)
   
0.53
%
   
1.06
%
   
0.80
%
   
0.85
%
   
0.75
%
Return on average equity (1)
   
5.07
%
   
10.40
%
   
7.03
%
   
8.25
%
   
6.41
%
                                         
NET INTEREST SPREAD
                                       
Yield on loans
   
5.04
%
   
5.06
%
   
4.75
%
   
5.03
%
   
4.72
%
Yield on investment securities
   
2.24
%
   
2.14
%
   
2.06
%
   
2.20
%
   
1.96
%
    Total yield on interest-earning assets
   
4.28
%
   
4.25
%
   
3.95
%
   
4.29
%
   
3.93
%
                                         
Cost of interest-bearing deposits
   
0.17
%
   
0.17
%
   
0.18
%
   
0.17
%
   
0.18
%
Cost of FHLB advances and other borrowings
   
3.89
%
   
3.81
%
   
2.73
%
   
3.80
%
   
2.61
%
    Total cost of interest-bearing liabilities
   
0.31
%
   
0.31
%
   
0.27
%
   
0.31
%
   
0.28
%
                                         
Spread (7)
   
3.97
%
   
3.94
%
   
3.68
%
   
3.98
%
   
3.65
%
Net interest margin
   
4.06
%
   
4.03
%
   
3.75
%
   
4.06
%
   
3.73
%
                                         
PER SHARE DATA
                                       
Basic earnings per share (2)
 
$
0.07
   
$
0.14
   
$
0.09
   
$
0.32
   
$
0.24
 
Diluted earnings per share (3)
   
0.07
     
0.14
     
0.09
     
0.32
     
0.24
 
Book value per share (5)
   
5.18
     
5.18
     
4.86
     
5.18
     
4.86
 
Tangible book value per share (5) (non-GAAP)
   
3.93
     
3.93
     
3.72
     
3.93
     
3.72
 
Market price per share:
                                       
  High for the period
 
$
9.45
   
$
8.48
   
$
7.61
   
$
9.45
   
$
7.61
 
  Low for the period
   
8.44
     
6.64
     
5.23
     
6.51
     
4.30
 
  Close for period end
   
8.67
     
8.40
     
7.00
     
8.67
     
7.00
 
Cash dividends declared per share
   
0.0300
     
0.0225
     
0.0200
     
0.0750
     
0.0600
 
                                         
Average number of shares outstanding:
                                       
  Basic (2)
   
22,537,092
     
22,518,941
     
22,490,433
     
22,520,352
     
22,477,473
 
  Diluted (3)
   
22,622,129
     
22,609,480
     
22,563,712
     
22,608,603
     
22,537,663
 
 

 
(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.




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