Call reports 2007
RIVERSIDE SAVINGS BANK, SSB — 2007
What RIVERSIDE SAVINGS BANK, SSB reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 61,988,000 | 55,732,000 | 57,052,000 | 55,711,000 |
| Total loans | 33,966,000 | 34,862,000 | 35,168,000 | 36,805,000 |
| Allowance for loan losses | 214,000 | 218,000 | 228,000 | 244,000 |
| Securities available for sale | 6,000 | 6,000 | 6,000 | 4,000 |
| Securities held to maturity | 14,329,000 | 14,274,000 | 12,250,000 | 12,230,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,208,000 | 47,444,000 | 48,826,000 | 47,612,000 |
| Interest-bearing deposits | 44,833,000 | 45,049,000 | 44,977,000 | 45,329,000 |
| Noninterest-bearing deposits | 2,375,000 | 2,396,000 | 3,849,000 | 2,283,000 |
| Equity capital | 7,866,000 | 7,822,000 | 7,877,000 | 7,746,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 835,000 | 1,644,000 | 2,441,000 | 3,229,000 |
| Interest expense | 492,000 | 956,000 | 1,390,000 | 1,836,000 |
| Net interest income | 343,000 | 688,000 | 1,051,000 | 1,393,000 |
| Noninterest income | 66,000 | 126,000 | 191,000 | 250,000 |
| Noninterest expense | 452,000 | 891,000 | 1,330,000 | 1,784,000 |
| Provision for loan losses | 5,000 | 15,000 | 74,000 | 89,000 |
| Pretax income | -48,000 | -92,000 | -162,000 | -230,000 |
| Income tax | 0 | 0 | -125,000 | -62,000 |
| Net income | -48,000 | -92,000 | -37,000 | -168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,866,000 | 7,822,000 | 7,877,000 | 7,746,000 |
| Total capital | 8,080,000 | 8,040,000 | 8,105,000 | 7,990,000 |
| Risk-weighted assets | 38,438,000 | 37,131,000 | 37,920,000 | 38,204,000 |