Call reports 2005
RIVERSIDE SAVINGS BANK, SSB — 2005
What RIVERSIDE SAVINGS BANK, SSB reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 56,129,000 | 57,350,000 | 57,731,000 | 57,685,000 |
| Total loans | 31,669,000 | 32,606,000 | 33,823,000 | 32,875,000 |
| Allowance for loan losses | 209,000 | 211,000 | 231,000 | 216,000 |
| Securities available for sale | 1,001,000 | 1,004,000 | 8,000 | 7,000 |
| Securities held to maturity | 18,797,000 | 18,707,000 | 18,623,000 | 18,563,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,818,000 | 42,924,000 | 42,803,000 | 41,704,000 |
| Interest-bearing deposits | 40,569,000 | 41,043,000 | 40,172,000 | 39,218,000 |
| Noninterest-bearing deposits | 2,249,000 | 1,881,000 | 2,631,000 | 2,486,000 |
| Equity capital | 7,985,000 | 8,060,000 | 8,053,000 | 8,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 671,000 | 1,424,000 | 2,170,000 | 2,876,000 |
| Interest expense | 295,000 | 589,000 | 901,000 | 1,225,000 |
| Net interest income | 376,000 | 835,000 | 1,269,000 | 1,651,000 |
| Noninterest income | 67,000 | 141,000 | 221,000 | 290,000 |
| Noninterest expense | 491,000 | 939,000 | 1,438,000 | 1,875,000 |
| Provision for loan losses | 6,000 | 17,000 | 59,000 | 49,000 |
| Pretax income | -54,000 | 20,000 | -7,000 | 17,000 |
| Income tax | 6,000 | 6,000 | -11,000 | -11,000 |
| Net income | -60,000 | 14,000 | 4,000 | 28,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,985,000 | 8,060,000 | 8,053,000 | 8,076,000 |
| Total capital | 8,194,000 | 8,271,000 | 8,284,000 | 8,292,000 |
| Risk-weighted assets | 34,401,000 | 36,092,000 | 37,128,000 | 36,098,000 |