Call reports 2013
RIVERSIDE SAVINGS BANK, SSB — 2013
What RIVERSIDE SAVINGS BANK, SSB reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 60,570,000 | 60,132,000 | 59,210,000 | 59,210,000 |
| Total loans | 40,875,000 | 39,258,000 | 38,627,000 | 38,579,000 |
| Allowance for loan losses | 205,000 | 244,000 | 237,000 | 232,000 |
| Securities available for sale | 1,000 | 1,000 | 1,000 | 1,000 |
| Securities held to maturity | 9,318,000 | 9,314,000 | 9,309,000 | 9,265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,166,000 | 46,719,000 | 45,742,000 | 45,824,000 |
| Interest-bearing deposits | 45,718,000 | 45,264,000 | 44,440,000 | 44,664,000 |
| Noninterest-bearing deposits | 1,448,000 | 1,455,000 | 1,302,000 | 1,160,000 |
| Equity capital | 8,481,000 | 8,533,000 | 8,589,000 | 8,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 614,000 | 1,228,000 | 1,831,000 | 2,414,000 |
| Interest expense | 137,000 | 273,000 | 406,000 | 535,000 |
| Net interest income | 477,000 | 955,000 | 1,425,000 | 1,879,000 |
| Noninterest income | -22,000 | 52,000 | 82,000 | 69,000 |
| Noninterest expense | 456,000 | 891,000 | 1,316,000 | 1,759,000 |
| Provision for loan losses | -7,000 | 41,000 | 34,000 | 37,000 |
| Pretax income | 6,000 | 75,000 | 157,000 | 152,000 |
| Income tax | 0 | 17,000 | 43,000 | 33,000 |
| Net income | 6,000 | 58,000 | 114,000 | 119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,481,000 | 8,533,000 | 8,589,000 | 8,594,000 |
| Total capital | 8,686,000 | 8,777,000 | 8,826,000 | 8,826,000 |
| Risk-weighted assets | 34,722,000 | 33,812,000 | 34,984,000 | 32,601,000 |