Call reports 2012
RIVERSIDE SAVINGS BANK, SSB — 2012
What RIVERSIDE SAVINGS BANK, SSB reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 58,960,000 | 59,375,000 | 60,150,000 | 60,058,000 |
| Total loans | 41,615,000 | 42,138,000 | 42,869,000 | 43,101,000 |
| Allowance for loan losses | 225,000 | 227,000 | 227,000 | 226,000 |
| Securities available for sale | 2,000 | 2,000 | 2,000 | 2,000 |
| Securities held to maturity | 8,755,000 | 7,959,000 | 8,655,000 | 5,221,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,746,000 | 46,085,000 | 46,812,000 | 46,616,000 |
| Interest-bearing deposits | 44,472,000 | 44,828,000 | 45,666,000 | 45,497,000 |
| Noninterest-bearing deposits | 1,274,000 | 1,257,000 | 1,146,000 | 1,119,000 |
| Equity capital | 8,286,000 | 8,347,000 | 8,400,000 | 8,476,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 668,000 | 1,315,000 | 1,976,000 | 2,627,000 |
| Interest expense | 168,000 | 327,000 | 493,000 | 642,000 |
| Net interest income | 500,000 | 988,000 | 1,483,000 | 1,985,000 |
| Noninterest income | 71,000 | 152,000 | 185,000 | 278,000 |
| Noninterest expense | 462,000 | 946,000 | 1,399,000 | 1,878,000 |
| Provision for loan losses | 21,000 | 36,000 | 33,000 | 36,000 |
| Pretax income | 88,000 | 158,000 | 236,000 | 349,000 |
| Income tax | 25,000 | 34,000 | 59,000 | 97,000 |
| Net income | 63,000 | 124,000 | 177,000 | 252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,286,000 | 8,347,000 | 8,400,000 | 8,476,000 |
| Total capital | 8,511,000 | 8,574,000 | 8,627,000 | 8,702,000 |
| Risk-weighted assets | 35,937,000 | 35,105,000 | 35,593,000 | 35,603,000 |