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<SEC-DOCUMENT>0000939057-08-000085.txt : 20080314
<SEC-HEADER>0000939057-08-000085.hdr.sgml : 20080314
<ACCEPTANCE-DATETIME>20080314170622
ACCESSION NUMBER:		0000939057-08-000085
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20080314
ITEM INFORMATION:		Material Impairments
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20080314
DATE AS OF CHANGE:		20080314

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:			0331

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-22957
		FILM NUMBER:		08690236

	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
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>k8031408.htm
<DESCRIPTION>RIVERVIEW BANCORP, INC. FORM 8-K
<TEXT>
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AND EXCHANGE COMMISSION</font></div>
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D.C. 20549</font></div>
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8-K</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">CURRENT
REPORT</font></div>
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to Section 13 or 15(d) of the Securities Exchange Act of 1934</font></div>
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    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
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Report (Date of earliest event reported): <font style="DISPLAY: inline; FONT-WEIGHT: bold">March 14, 2008</font></font></div>
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BANCORP, INC.</font></div>
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    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br>&#160;</div>
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    <div id="PGBRK" style="MARGIN-LEFT: 0pt; WIDTH: 100%; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
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</font></div>
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</font></div>
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2.06 Material Impairments</font></div>
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14, 2008, Riverview Bancorp, Inc. (&#8220;Company&#8221;) announced that it expects to
record a provision for loan losses of between $1.5 million and $2.0 million, or
$0.14 to $0.19 per diluted share, during the fourth quarter of the fiscal year
ended March 31, 2008.&#160;&#160;As a result of this increase, it currently
expects the provision for loan losses for the year to be between $2.6 million
and $3.1 million.</font></div>
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further information see the Company&#8217;s press release attached hereto as Exhibit
99.1, which is incorporated herein by reference.</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Item 9.01 Financial
Statements and Exhibits</font></font></div>
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Press Release dated March 14, 2008</font></div>
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</font></div>
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</font></div>
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</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font>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.</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;</font></font><br></div>
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            <td style="WIDTH: 465px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
            <td width="516"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-DECORATION: none">RIVERVIEW
      BANCORP, INC.</font></td>
          </tr>
          <tr valign="top">
            <td style="WIDTH: 465px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
            <td width="516">&#160;</td>
          </tr>
          <tr valign="top">
            <td style="WIDTH: 465px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;</font></td>
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            <td style="WIDTH: 465px"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;Date:&#160;&#160;March
      14, 2008&#160;&#160;</font></td>
            <td width="516"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-DECORATION: underline">&#160;/s/Patrick
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      &#160;&#160;&#160; </font></td>
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              <div><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">&#160;
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              <div align="justify"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Patrick
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            <td width="516"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">Chief
      Executive Officer</font></td>
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Release Dated March 14, 2008</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Contacts:&#160;&#160;&#160;&#160;&#160;&#160;&#160;Pat
Sheaffer or Ron Wysaske,</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB1" style="MARGIN-LEFT: 54pt"></font>Riverview Bancorp, Inc.
360-693-6650</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Riverview Bancorp, Inc.
Reports Expected Increase In Its Provision for Loans Losses</font></font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Vancouver,
WA &#8211; March 14, 2008 &#8211; Riverview Bancorp, Inc. (NASDAQ GSM: RVSB) today announced
that it expects to record a provision for loan losses of between $1.5 million to
$2.0 million (pre-tax), or $0.14 to $0.19 per diluted share, during the fourth
quarter of its fiscal year ending March 31, 2008.&#160;&#160;As a result of this
increase, it currently expects the provision for loan losses for the year to be
between $2.6 million and $3.1 million.&#160;&#160;This anticipated quarterly
provision for loan losses is significantly higher than the $650,000 it recorded
during the third quarter ended December 31, 2007.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Riverview&#8217;s
decision to increase its provision for loan losses was prompted by a number of
factors based on its methodology for determining the level of its allowance for
losses.&#160;&#160;Riverview has experienced strong growth in commercial real
estate loans and, to a lesser extent, commercial business loans during the
quarter ending March 31, 2008 with total loan growth during the quarter expected
to be approximately $40 million.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Non-performing
assets are currently $3.3 million, or 0.37% of total assets, and were $1.1
million, or 0.14% of total assets, at December 31, 2007.&#160;&#160;In addition,
as a result of the slowdown in sales of both residential lots and single family
residences, Riverview completed a review of land development and speculative
construction loans.&#160;&#160;Land development and speculative construction
loans currently comprise approximately 9% and 11%, respectively of Riverview&#8217;s
total loan portfolio.&#160;&#160;Based on the increase in total loans, the
decreases in home sales and the decline in home prices Riverview reassessed the
allowance for loan and lease losses and determined the increase was
merited.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Riverview
has also determined to limit its land development and construction lending in
the future and has made minor modifications to its underwriting guidelines and
review procedures in response to the current market conditions.&#160;&#160;As a
result, during the quarter ending March 31, 2008, we anticipate a decrease in
Riverview&#8217;s portfolio of land developments and speculative construction
loans.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Commenting
on the announcement, Patrick Sheaffer, Chairman of the Board and Chief Executive
Officer of Riverview&#160;&#160;Bancorp, Inc. stated, &#8220;Clearly changes in the
economy have affected the markets we serve.&#160;&#160;While loan growth has
remained strong, we have seen a marked slowdown in residential real estate sales
in all our markets which directly impacted our land development and speculative
construction lending.&#160;&#160;We believe our actions to strengthen our
allowance for loan losses demonstrates our resolve to address these issues as
quickly and as completely as we can based on the current information available
to us.&#160;&#160;This, as always, is an ongoing process that is a high priority
for Riverview and its entire management team.&#160;&#160;Importantly, even with
these aggressive steps to meet credit quality concerns, our fourth quarter
results will show that Riverview remains well positioned to pursue its
strategies for growth over the long term.&#8221;</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">The
Company expects to report earnings for its fourth quarter and year ending March
31, 2008&#160;&#160;in May 2008.</font></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">About
the Company</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Riverview
Bancorp, Inc. (www.riverviewbank.com) is headquartered in Vancouver, Washington
&#8211; just north of Portland, Oregon on the I-5 corridor.&#160;&#160;With assets of
$844 million, it is the parent company of the 84 year-old Riverview Community
Bank, as well as Riverview Mortgage and Riverview Asset Management
Corp.&#160;&#160;There are 18 branches, including ten in fast growing Clark
County, three in the Portland metropolitan area and four lending
centers.&#160;&#160;The Bank offers true community banking services, focusing on
providing the highest quality service and financial products to commercial and
retail customers.</font></div>
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matters discussed in this news release may constitute forward-looking statements
within the meaning of the Private Securities Litigation Reform Act of
1995.&#160;&#160;These forward-looking statements may relate to, among other
things, expectations of the business environment in which Riverview operates,
projections of future performance, perceived</font></div>
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          <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">March 14,
2008</font></div>
          <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Page
2</font></div>
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        </div>
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    </div><br>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">opportunities
in the market and statements regarding Riverview&#8217;s strategic
objectives.&#160;&#160;These forward-looking statements are based upon current
management expectations, and may therefore involve risks and
uncertainties.&#160;&#160;Riverview&#8217;s actual results or performance may differ
materially from those suggested, expressed or implied by forward-looking
statements as a result of a wide range of factors including, but not limited to,
the general business environment, the Washington and Oregon real estate market,
competitive conditions in the business and geographic areas in which Riverview
conducts its business, regulatory actions or changes and other risks detailed in
Riverview&#8217;s reports filed with the Securities and Exchange Commission, including
but not limited to Annual Reports on Form 10-K, quarterly reports on Form 10-Q
and current reports on Form 8-K.&#160;&#160;Riverview disclaims any obligation
to subsequently revise or update any forward-looking statements to reflect
events or circumstances after the date of such statements or to reflect the
occurrence of anticipated or unanticipated events.</font></div>
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`
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
