Call reports 2011
RIVERSIDE SAVINGS BANK, SSB — 2011
What RIVERSIDE SAVINGS BANK, SSB reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 57,107,000 | 58,027,000 | 58,698,000 | 58,889,000 |
| Total loans | 46,556,000 | 46,192,000 | 45,871,000 | 42,827,000 |
| Allowance for loan losses | 259,000 | 291,000 | 247,000 | 238,000 |
| Securities available for sale | 2,000 | 2,000 | 2,000 | 2,000 |
| Securities held to maturity | 4,885,000 | 1,724,000 | 4,069,000 | 7,384,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,939,000 | 44,856,000 | 45,600,000 | 45,704,000 |
| Interest-bearing deposits | 42,908,000 | 43,643,000 | 44,491,000 | 44,225,000 |
| Noninterest-bearing deposits | 1,031,000 | 1,213,000 | 1,109,000 | 1,479,000 |
| Equity capital | 8,114,000 | 8,173,000 | 8,171,000 | 8,223,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 734,000 | 1,482,000 | 2,193,000 | 2,916,000 |
| Interest expense | 187,000 | 373,000 | 553,000 | 722,000 |
| Net interest income | 547,000 | 1,109,000 | 1,640,000 | 2,194,000 |
| Noninterest income | 40,000 | 86,000 | 71,000 | 85,000 |
| Noninterest expense | 460,000 | 927,000 | 1,427,000 | 1,874,000 |
| Provision for loan losses | 12,000 | 57,000 | 75,000 | 111,000 |
| Pretax income | 115,000 | 211,000 | 209,000 | 294,000 |
| Income tax | 45,000 | 82,000 | 82,000 | 115,000 |
| Net income | 70,000 | 129,000 | 127,000 | 179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,114,000 | 8,173,000 | 8,171,000 | 8,223,000 |
| Total capital | 8,373,000 | 8,464,000 | 8,418,000 | 8,461,000 |
| Risk-weighted assets | 41,271,000 | 37,428,000 | 37,367,000 | 36,247,000 |