Call reports 2009
RIVERSIDE SAVINGS BANK, SSB — 2009
What RIVERSIDE SAVINGS BANK, SSB reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 52,875,000 | 54,518,000 | 54,818,000 | 57,557,000 |
| Total loans | 39,372,000 | 42,947,000 | 44,873,000 | 45,827,000 |
| Allowance for loan losses | 264,000 | 272,000 | 328,000 | 272,000 |
| Securities available for sale | 4,000 | 4,000 | 3,000 | 3,000 |
| Securities held to maturity | 3,587,000 | 4,754,000 | 3,272,000 | 3,268,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,122,000 | 41,685,000 | 41,942,000 | 44,053,000 |
| Interest-bearing deposits | 38,994,000 | 40,226,000 | 40,731,000 | 42,518,000 |
| Noninterest-bearing deposits | 1,127,000 | 1,459,000 | 1,211,000 | 1,535,000 |
| Equity capital | 7,837,000 | 7,871,000 | 7,905,000 | 7,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 693,000 | 1,406,000 | 2,167,000 | 3,010,000 |
| Interest expense | 257,000 | 532,000 | 804,000 | 1,050,000 |
| Net interest income | 436,000 | 874,000 | 1,363,000 | 1,960,000 |
| Noninterest income | 57,000 | 114,000 | 171,000 | 229,000 |
| Noninterest expense | 394,000 | 814,000 | 1,271,000 | 1,875,000 |
| Provision for loan losses | 17,000 | 58,000 | 143,000 | 281,000 |
| Pretax income | 103,000 | 137,000 | 171,000 | 84,000 |
| Income tax | 0 | 0 | 0 | -50,000 |
| Net income | 103,000 | 137,000 | 171,000 | 134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,837,000 | 7,871,000 | 7,905,000 | 7,860,000 |
| Total capital | 8,101,000 | 8,143,000 | 8,233,000 | 8,132,000 |
| Risk-weighted assets | 36,336,000 | 39,213,000 | 40,151,000 | 41,412,000 |