Call reports 2003
RIVERSIDE SAVINGS BANK, SSB — 2003
What RIVERSIDE SAVINGS BANK, SSB reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 59,274,000 | 59,589,000 | 58,529,000 | 59,333,000 |
| Total loans | 41,500,000 | 39,525,000 | 38,645,000 | 31,654,000 |
| Allowance for loan losses | 285,000 | 273,000 | 275,000 | 241,000 |
| Securities available for sale | 2,024,000 | 3,527,000 | 1,518,000 | 1,516,000 |
| Securities held to maturity | 3,654,000 | 5,526,000 | 11,390,000 | 15,292,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,458,000 | 47,300,000 | 46,474,000 | 47,113,000 |
| Interest-bearing deposits | 45,275,000 | 45,048,000 | 44,567,000 | 45,242,000 |
| Noninterest-bearing deposits | 2,183,000 | 2,252,000 | 1,907,000 | 1,871,000 |
| Equity capital | 7,394,000 | 7,516,000 | 7,707,000 | 7,844,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 835,000 | 1,643,000 | 2,494,000 | 3,243,000 |
| Interest expense | 314,000 | 625,000 | 922,000 | 1,220,000 |
| Net interest income | 521,000 | 1,018,000 | 1,572,000 | 2,023,000 |
| Noninterest income | 100,000 | 275,000 | 328,000 | 501,000 |
| Noninterest expense | 463,000 | 939,000 | 1,409,000 | 1,879,000 |
| Provision for loan losses | -60,000 | -44,000 | 6,000 | -9,000 |
| Pretax income | 218,000 | 398,000 | 485,000 | 654,000 |
| Income tax | 92,000 | 154,000 | 44,000 | 75,000 |
| Net income | 126,000 | 244,000 | 441,000 | 579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,388,000 | 7,504,000 | 7,704,000 | 7,843,000 |
| Total capital | 7,673,000 | 7,777,000 | 7,979,000 | 8,084,000 |
| Risk-weighted assets | 38,223,000 | 37,259,000 | 36,353,000 | 34,773,000 |