Call reports 2010
RIVERSIDE SAVINGS BANK, SSB — 2010
What RIVERSIDE SAVINGS BANK, SSB reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 55,651,000 | 56,289,000 | 57,559,000 | 56,364,000 |
| Total loans | 45,425,000 | 44,927,000 | 46,863,000 | 45,406,000 |
| Allowance for loan losses | 256,000 | 288,000 | 256,000 | 263,000 |
| Securities available for sale | 3,000 | 3,000 | 2,000 | 2,000 |
| Securities held to maturity | 3,075,000 | 3,672,000 | 3,326,000 | 5,110,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,805,000 | 43,328,000 | 44,508,000 | 43,325,000 |
| Interest-bearing deposits | 41,779,000 | 42,002,000 | 43,156,000 | 42,113,000 |
| Noninterest-bearing deposits | 1,026,000 | 1,326,000 | 1,352,000 | 1,212,000 |
| Equity capital | 7,924,000 | 8,002,000 | 8,069,000 | 8,044,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 744,000 | 1,487,000 | 2,216,000 | 2,959,000 |
| Interest expense | 216,000 | 421,000 | 623,000 | 819,000 |
| Net interest income | 528,000 | 1,066,000 | 1,593,000 | 2,140,000 |
| Noninterest income | 42,000 | 81,000 | 144,000 | 233,000 |
| Noninterest expense | 484,000 | 944,000 | 1,407,000 | 1,857,000 |
| Provision for loan losses | 22,000 | 61,000 | 121,000 | 190,000 |
| Pretax income | 64,000 | 142,000 | 209,000 | 326,000 |
| Income tax | 0 | 0 | 0 | 142,000 |
| Net income | 64,000 | 142,000 | 209,000 | 184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,924,000 | 8,002,000 | 8,069,000 | 8,044,000 |
| Total capital | 8,180,000 | 8,290,000 | 8,325,000 | 8,307,000 |
| Risk-weighted assets | 40,586,000 | 39,562,000 | 41,451,000 | 40,463,000 |