Call reports 2006
RIVERSIDE SAVINGS BANK, SSB — 2006
What RIVERSIDE SAVINGS BANK, SSB reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 56,606,000 | 58,655,000 | 59,507,000 | 60,546,000 |
| Total loans | 33,666,000 | 34,374,000 | 34,551,000 | 34,880,000 |
| Allowance for loan losses | 215,000 | 216,000 | 232,000 | 217,000 |
| Securities available for sale | 7,000 | 6,000 | 6,000 | 6,000 |
| Securities held to maturity | 18,514,000 | 18,458,000 | 18,414,000 | 18,354,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,686,000 | 40,726,000 | 44,061,000 | 45,713,000 |
| Interest-bearing deposits | 38,311,000 | 37,727,000 | 41,434,000 | 43,079,000 |
| Noninterest-bearing deposits | 2,375,000 | 2,999,000 | 2,627,000 | 2,634,000 |
| Equity capital | 8,027,000 | 7,994,000 | 8,011,000 | 7,914,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 678,000 | 1,402,000 | 2,210,000 | 3,011,000 |
| Interest expense | 335,000 | 698,000 | 1,113,000 | 1,591,000 |
| Net interest income | 343,000 | 704,000 | 1,097,000 | 1,420,000 |
| Noninterest income | 63,000 | 125,000 | 197,000 | 263,000 |
| Noninterest expense | 477,000 | 930,000 | 1,437,000 | 1,870,000 |
| Provision for loan losses | -22,000 | -19,000 | 12,000 | -5,000 |
| Pretax income | -49,000 | -82,000 | -155,000 | -182,000 |
| Income tax | 0 | 0 | -90,000 | -20,000 |
| Net income | -49,000 | -82,000 | -65,000 | -162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,027,000 | 7,994,000 | 8,011,000 | 7,914,000 |
| Total capital | 8,242,000 | 8,210,000 | 8,243,000 | 8,131,000 |
| Risk-weighted assets | 36,499,000 | 37,242,000 | 37,443,000 | 38,347,000 |