FORM 11-K
U.S. SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
[X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934
For the Fiscal Year Ended December 31, 1996 OR
[ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
Commission File Number: 0-22953
A. Full title of the plan and the address of the plan, if
different from that of the issuer named below:
Riverview Savings Bank, FBS Employees' Savings & Profit
Sharing Plan and Trust
B. Name of issuer of the securities held pursuant to the plan and the
address of its principal executive office:
Riverview Bancorp, Inc.
700 N.E. Fourth Avenue
Camas, Washington 98607
THE PLAN IS SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS
AMENDED ("ERISA"). IN ACCORDANCE WITH ITEM NO. 4 OF REQUIRED INFORMATION, THE
PLAN FINANCIAL STATEMENTS AND SCHEDULES ATTACHED HERETO ARE PREPARED IN
ACCORDANCE WITH THE FINANCIAL REPORTING REQUIREMENTS OF ERISA.
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Riverview Savings Bank, FSB
Employees' Savings & Profit Sharing Plan and Trust
Balance Sheet*
At At
January 1, 1996 December 31, 1996
--------------- -----------------
Assets
Cash . . . . . . . . . . . . . . . . . . -- --
Receivables. . . . . . . . . . . . . . . 10,084 --
Investments:
U.S. Government securities . . . . . . -- --
Corporate debt and equity instruments. -- --
Real estate and mortgages (other
than to participants) . . . . . . . . -- --
Loans to participants:
Mortgages. . . . . . . . . . . . . . -- --
Other - participant loans. . . . . . 9,086 10,480
Other - registered investment
companies . . . . . . . . . . . . . . 2,484,233 2,874,264
Total investments. . . . . . . . . . . 2,493,319 2,884,744
Buildings and other property used in
plan operations . . . . . . . . . . . . -- --
Other assets . . . . . . . . . . . . . . -- --
Total assets . . . . . . . . . . . . . . 2,503,403 2,884,744
Liabilities
Payables . . . . . . . . . . . . . . . . -- --
Acquisitions indebtedness. . . . . . . . -- --
Other liabilities. . . . . . . . . . . . -- --
Total liabilities. . . . . . . . . . . . -- --
Net assets . . . . . . . . . . . . . . . 2,503,403 2,884,744
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Riverview Savings Bank, FSB
Employees' Savings & Profit Sharing Plan and Trust
Statement of Income*
Amount Total
------ -----
Income
Contributions received or receivable in cash from:
Employer(s) (including contributions
on behalf of self-employed individuals). . . 47,659 --
Employees . . . . . . . . . . . . . . . . . . 97,480 --
Others - Rollover contributions . . . . . . . 3,682 --
Total . . . . . . . . . . . . . . . . . . . 148,821 --
Noncash contributions . . . . . . . . . . . . . -- 148,821
Earnings from investments (interest, dividends,
rents, royalties). . . . . . . . . . . . . . . -- 256,194
Net realized gain (loss) on sale or exchange
of assets. . . . . . . . . . . . . . . . . . . -- (12,251)
Other income - unrealized gain. . . . . . . . . -- 102,004
Total income. . . . . . . . . . . . . . . . . . -- 494,768
Expenses
Distribution of benefits and payments
to provide benefits:
Directly to participants or their
beneficiaries. . . . . . . . . . . . . . . . 104,679 --
Other . . . . . . . . . . . . . . . . . . . . -- --
Total distribution of benefits and payments
to provide benefits. . . . . . . . . . . . . -- 104,679
Administration expenses (salaries, fees,
commissions, insurance premiums) . . . . . . . -- 8,748
Other expenses. . . . . . . . . . . . . . . . -- --
Total expenses. . . . . . . . . . . . . . . . . -- 113,427
Net income (loss) . . . . . . . . . . . . . . . -- 381,341
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SIGNATURE
The Plan. Pursuant to the requirements of the Securities and Exchange
Act of 1934, the trustees (or other persons who administer the employee
benefit plan) have duly caused this annual report to be signed on its behalf
by the undersigned hereunto duly authorized.
Riverview Savings Bank, FSB Employees' Savings
& Profit Sharing Plan and Trust
Date: October 28, 1997 By: /s/ Patrick Sheaffer
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Patrick Sheaffer
President and Chief Executive
Officer
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