Call reports 2015
RIVERSIDE SAVINGS BANK, SSB — 2015
What RIVERSIDE SAVINGS BANK, SSB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 54,768,000 | 53,380,000 | 52,946,000 | 51,692,000 |
| Total loans | 36,859,000 | 36,389,000 | 35,701,000 | 35,678,000 |
| Allowance for loan losses | 234,000 | 214,000 | 208,000 | 203,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,345,000 | 7,871,000 | 6,077,000 | 4,053,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,724,000 | 42,291,000 | 41,737,000 | 40,443,000 |
| Interest-bearing deposits | 42,317,000 | 40,560,000 | 40,269,000 | 38,895,000 |
| Noninterest-bearing deposits | 1,407,000 | 1,731,000 | 1,468,000 | 1,548,000 |
| Equity capital | 8,789,000 | 8,836,000 | 8,910,000 | 8,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 568,000 | 1,122,000 | 1,670,000 | 2,204,000 |
| Interest expense | 118,000 | 215,000 | 307,000 | 392,000 |
| Net interest income | 450,000 | 907,000 | 1,363,000 | 1,812,000 |
| Noninterest income | 66,000 | 105,000 | 185,000 | 244,000 |
| Noninterest expense | 429,000 | 871,000 | 1,307,000 | 1,790,000 |
| Provision for loan losses | -54,000 | -64,000 | -72,000 | -58,000 |
| Pretax income | 141,000 | 205,000 | 313,000 | 324,000 |
| Income tax | 50,000 | 66,000 | 101,000 | 94,000 |
| Net income | 91,000 | 139,000 | 212,000 | 230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,799,000 | 8,846,000 | 8,920,000 | 8,938,000 |
| Total capital | 9,037,000 | 9,064,000 | 9,132,000 | 9,145,000 |
| Risk-weighted assets | 30,012,000 | 29,361,000 | 28,979,000 | 29,192,000 |