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RIVERVIEW BANCORP, INC. AND SUBSIDIARY - CONSOLIDATED STATEMENTS OF INCOME (USD $) In Thousands, except Share data, unless otherwise specified | 12 Months Ended
--- | ---
Mar. 31, 2015 | Mar. 31, 2014 | Mar. 31, 2013
INTEREST INCOME: |  |  |
Interest and fees on loans receivable | $ 25,896 us-gaap_InterestAndFeeIncomeLoansAndLeases | $ 25,423 us-gaap_InterestAndFeeIncomeLoansAndLeases | $ 32,041 us-gaap_InterestAndFeeIncomeLoansAndLeases
Interest on investment securities-taxable | 357 us-gaap_InterestIncomeSecuritiesTaxable | 271 us-gaap_InterestIncomeSecuritiesTaxable | 276 us-gaap_InterestIncomeSecuritiesTaxable
Interest on investment securities-non taxable |  |  | 16 us-gaap_InterestIncomeSecuritiesTaxExempt
Interest on mortgage-backed securities | 1,917 us-gaap_InterestIncomeSecuritiesMortgageBacked | 424 us-gaap_InterestIncomeSecuritiesMortgageBacked | 25 us-gaap_InterestIncomeSecuritiesMortgageBacked
Other interest and dividends | 456 us-gaap_OtherInterestAndDividendIncome | 686 us-gaap_OtherInterestAndDividendIncome | 574 us-gaap_OtherInterestAndDividendIncome
Total interest and dividend income | 28,626 us-gaap_InterestAndDividendIncomeOperating | 26,804 us-gaap_InterestAndDividendIncomeOperating | 32,932 us-gaap_InterestAndDividendIncomeOperating
INTEREST EXPENSE: |  |  |
Interest on deposits | 1,326 us-gaap_InterestExpenseDeposits | 1,973 us-gaap_InterestExpenseDeposits | 2,667 us-gaap_InterestExpenseDeposits
Interest on borrowings | 590 us-gaap_InterestExpenseBorrowings | 595 us-gaap_InterestExpenseBorrowings | 818 us-gaap_InterestExpenseBorrowings
Total interest expense | 1,916 us-gaap_InterestExpense | 2,568 us-gaap_InterestExpense | 3,485 us-gaap_InterestExpense
Net interest income | 26,710 us-gaap_InterestIncomeExpenseNet | 24,236 us-gaap_InterestIncomeExpenseNet | 29,447 us-gaap_InterestIncomeExpenseNet
Less provision for (recapture of) loan losses | (1,800)us-gaap_ProvisionForLoanAndLeaseLosses | (3,700)us-gaap_ProvisionForLoanAndLeaseLosses | 900 us-gaap_ProvisionForLoanAndLeaseLosses
Net interest income after provision for (recapture of) loan losses | 28,510 us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss | 27,936 us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss | 28,547 us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss
NON-INTEREST INCOME: |  |  |
Fees and service charges | 4,317 us-gaap_FeesAndCommissionsDepositorAccounts | 4,258 us-gaap_FeesAndCommissionsDepositorAccounts | 4,695 us-gaap_FeesAndCommissionsDepositorAccounts
Asset management fees | 2,975 us-gaap_AssetManagementFees | 2,630 us-gaap_AssetManagementFees | 2,172 us-gaap_AssetManagementFees
Net gain on sale of loans held for sale | 596 us-gaap_GainLossOnSalesOfLoansNet | 667 us-gaap_GainLossOnSalesOfLoansNet | 1,386 us-gaap_GainLossOnSalesOfLoansNet
Bank owned life insurance income | 716 us-gaap_BankOwnedLifeInsuranceIncome | 553 us-gaap_BankOwnedLifeInsuranceIncome | 585 us-gaap_BankOwnedLifeInsuranceIncome
Other non-interest income | 271 us-gaap_NoninterestIncomeOtherOperatingIncome | 259 us-gaap_NoninterestIncomeOtherOperatingIncome | 35 us-gaap_NoninterestIncomeOtherOperatingIncome
Total non-interest income | 8,875 us-gaap_NoninterestIncome | 8,367 us-gaap_NoninterestIncome | 8,873 us-gaap_NoninterestIncome
NON-INTEREST EXPENSE: |  |  |
Salaries and employee benefits | 17,805 us-gaap_LaborAndRelatedExpense | 15,755 us-gaap_LaborAndRelatedExpense | 15,325 us-gaap_LaborAndRelatedExpense
Occupancy and depreciation | 4,778 us-gaap_OccupancyNet | 4,811 us-gaap_OccupancyNet | 4,970 us-gaap_OccupancyNet
Data processing | 1,807 us-gaap_InformationTechnologyAndDataProcessing | 2,058 us-gaap_InformationTechnologyAndDataProcessing | 1,420 us-gaap_InformationTechnologyAndDataProcessing
Amortization of core deposit intangible | 24 us-gaap_AmortizationOfIntangibleAssets | 40 us-gaap_AmortizationOfIntangibleAssets | 71 us-gaap_AmortizationOfIntangibleAssets
Advertising and marketing expense | 628 us-gaap_MarketingAndAdvertisingExpense | 726 us-gaap_MarketingAndAdvertisingExpense | 834 us-gaap_MarketingAndAdvertisingExpense
FDIC insurance premium | 627 us-gaap_FederalDepositInsuranceCorporationPremiumExpense | 1,487 us-gaap_FederalDepositInsuranceCorporationPremiumExpense | 1,532 us-gaap_FederalDepositInsuranceCorporationPremiumExpense
State and local taxes | 559 us-gaap_ExciseAndSalesTaxes | 462 us-gaap_ExciseAndSalesTaxes | 547 us-gaap_ExciseAndSalesTaxes
Telecommunications | 295 us-gaap_CommunicationsAndInformationTechnology | 304 us-gaap_CommunicationsAndInformationTechnology | 384 us-gaap_CommunicationsAndInformationTechnology
Professional fees | 1,089 us-gaap_ProfessionalFees | 1,290 us-gaap_ProfessionalFees | 1,456 us-gaap_ProfessionalFees
Real estate owned expenses | 994 us-gaap_ForeclosedRealEstateExpense | 2,765 us-gaap_ForeclosedRealEstateExpense | 5,781 us-gaap_ForeclosedRealEstateExpense
Other non-interest expense | 2,138 us-gaap_OtherNoninterestExpense | 2,263 us-gaap_OtherNoninterestExpense | 2,438 us-gaap_OtherNoninterestExpense
Total non-interest expense | 30,744 us-gaap_NoninterestExpense | 31,961 us-gaap_NoninterestExpense | 34,758 us-gaap_NoninterestExpense
Income (loss) before income taxes | 6,641 us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic | 4,342 us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic | 2,662 us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic
Provision (Benefit) for income taxes | 2,150 us-gaap_IncomeTaxExpenseBenefit | (15,081)us-gaap_IncomeTaxExpenseBenefit | 29 us-gaap_IncomeTaxExpenseBenefit
Net Income (Loss) | $ 4,491 us-gaap_NetIncomeLoss | $ 19,423 us-gaap_NetIncomeLoss | $ 2,633 us-gaap_NetIncomeLoss
Earnings (loss) per common share: |  |  |
Basic earnings | $ 0.20 us-gaap_EarningsPerShareBasic | $ 0.87 us-gaap_EarningsPerShareBasic | $ 0.12 us-gaap_EarningsPerShareBasic
Diluted earnings | $ 0.20 us-gaap_EarningsPerShareDiluted | $ 0.87 us-gaap_EarningsPerShareDiluted | $ 0.12 us-gaap_EarningsPerShareDiluted
Weighted average number of shares outstanding: |  |  |
Weighted average number of shares outstanding, Basic | 22,392,744 us-gaap_WeightedAverageNumberOfSharesOutstandingBasic | 22,367,174 us-gaap_WeightedAverageNumberOfSharesOutstandingBasic | 22,342,541 us-gaap_WeightedAverageNumberOfSharesOutstandingBasic
Weighted average number of shares outstanding, Diluted | 22,431,839 us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding | 22,369,175 us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding | 22,342,541 us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding

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- Definition The aggregate interest and fee income generated by: (1) loans the Entity has positive intent and ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (a) industrial and agricultural; (b) real estate; and (c) real estate construction loans; (d) trade financing; (e) lease financing; (f) home equity lines-of-credit; (g) automobile and other vehicle loans; and (h) credit card and other revolving-type loans and (2) loans and leases held-for-sale which may include mortgage loans, direct financing, and sales-type leases. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 225 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-04.1) -URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882 + Details
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