Call reports 2004
RIVERSIDE SAVINGS BANK, SSB — 2004
What RIVERSIDE SAVINGS BANK, SSB reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 58,074,000 | 57,741,000 | 56,649,000 | 56,249,000 |
| Total loans | 29,682,000 | 30,186,000 | 30,025,000 | 31,274,000 |
| Allowance for loan losses | 216,000 | 214,000 | 204,000 | 205,000 |
| Securities available for sale | 11,000 | 9,000 | 9,000 | 5,000 |
| Securities held to maturity | 19,195,000 | 20,063,000 | 18,957,000 | 19,844,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,825,000 | 45,367,000 | 44,247,000 | 42,883,000 |
| Interest-bearing deposits | 44,230,000 | 43,596,000 | 42,297,000 | 41,052,000 |
| Noninterest-bearing deposits | 1,595,000 | 1,771,000 | 1,950,000 | 1,831,000 |
| Equity capital | 7,870,000 | 7,963,000 | 8,027,000 | 8,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 698,000 | 1,358,000 | 2,071,000 | 2,712,000 |
| Interest expense | 263,000 | 519,000 | 772,000 | 1,004,000 |
| Net interest income | 435,000 | 839,000 | 1,299,000 | 1,708,000 |
| Noninterest income | 123,000 | 240,000 | 323,000 | 397,000 |
| Noninterest expense | 482,000 | 916,000 | 1,391,000 | 1,857,000 |
| Provision for loan losses | 41,000 | 31,000 | 39,000 | 35,000 |
| Pretax income | 35,000 | 132,000 | 192,000 | 213,000 |
| Income tax | 8,000 | 13,000 | 8,000 | 2,000 |
| Net income | 27,000 | 119,000 | 184,000 | 211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,870,000 | 7,963,000 | 8,027,000 | 8,046,000 |
| Total capital | 8,086,000 | 8,177,000 | 8,231,000 | 8,251,000 |
| Risk-weighted assets | 33,392,000 | 35,109,000 | 32,816,000 | 40,121,000 |