Call reports 2008
RIVERSIDE SAVINGS BANK, SSB — 2008
What RIVERSIDE SAVINGS BANK, SSB reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 51,809,000 | 50,252,000 | 49,745,000 | 48,467,000 |
| Total loans | 37,822,000 | 39,269,000 | 39,220,000 | 40,911,000 |
| Allowance for loan losses | 245,000 | 245,000 | 249,000 | 283,000 |
| Securities available for sale | 4,000 | 4,000 | 4,000 | 3,529,000 |
| Securities held to maturity | 7,709,000 | 3,695,000 | 3,682,000 | 178,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,777,000 | 42,224,000 | 40,565,000 | 39,374,000 |
| Interest-bearing deposits | 41,142,000 | 40,014,000 | 39,396,000 | 38,388,000 |
| Noninterest-bearing deposits | 2,635,000 | 2,210,000 | 1,169,000 | 986,000 |
| Equity capital | 7,685,000 | 7,665,000 | 7,816,000 | 7,734,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 763,000 | 1,456,000 | 2,179,000 | 2,862,000 |
| Interest expense | 404,000 | 716,000 | 993,000 | 1,261,000 |
| Net interest income | 359,000 | 740,000 | 1,186,000 | 1,601,000 |
| Noninterest income | 55,000 | 111,000 | 191,000 | 234,000 |
| Noninterest expense | 466,000 | 910,000 | 1,345,000 | 1,797,000 |
| Provision for loan losses | 9,000 | 22,000 | 59,000 | 114,000 |
| Pretax income | -61,000 | -81,000 | -27,000 | -76,000 |
| Income tax | 0 | 0 | -97,000 | -64,000 |
| Net income | -61,000 | -81,000 | 70,000 | -12,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,685,000 | 7,665,000 | 7,816,000 | 7,734,000 |
| Total capital | 7,930,000 | 7,910,000 | 8,065,000 | 8,017,000 |
| Risk-weighted assets | 37,355,000 | 37,196,000 | 37,288,000 | 37,752,000 |