Call reports 2014
RIVERSIDE SAVINGS BANK, SSB — 2014
What RIVERSIDE SAVINGS BANK, SSB reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 58,770,000 | 59,029,000 | 58,074,000 | 57,591,000 |
| Total loans | 38,109,000 | 37,671,000 | 38,390,000 | 37,389,000 |
| Allowance for loan losses | 267,000 | 262,000 | 301,000 | 286,000 |
| Securities available for sale | 1,000 | 1,000 | 1,000 | 1,000 |
| Securities held to maturity | 10,261,000 | 10,235,000 | 10,145,000 | 8,068,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,356,000 | 45,535,000 | 44,573,000 | 44,045,000 |
| Interest-bearing deposits | 44,032,000 | 44,111,000 | 42,985,000 | 42,853,000 |
| Noninterest-bearing deposits | 1,324,000 | 1,424,000 | 1,588,000 | 1,192,000 |
| Equity capital | 8,614,000 | 8,653,000 | 8,653,000 | 8,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 596,000 | 1,192,000 | 1,787,000 | 2,383,000 |
| Interest expense | 125,000 | 249,000 | 373,000 | 496,000 |
| Net interest income | 471,000 | 943,000 | 1,414,000 | 1,887,000 |
| Noninterest income | 44,000 | 89,000 | 105,000 | 160,000 |
| Noninterest expense | 453,000 | 910,000 | 1,355,000 | 1,826,000 |
| Provision for loan losses | 33,000 | 36,000 | 85,000 | 77,000 |
| Pretax income | 29,000 | 86,000 | 79,000 | 144,000 |
| Income tax | 7,000 | 25,000 | 18,000 | 39,000 |
| Net income | 22,000 | 61,000 | 61,000 | 105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,614,000 | 8,653,000 | 8,653,000 | 8,698,000 |
| Total capital | 8,881,000 | 8,920,000 | 8,958,000 | 8,988,000 |
| Risk-weighted assets | 32,000,000 | 31,882,000 | 29,400,000 | 34,883,000 |