Call reports 2016
RIVERSIDE SAVINGS BANK, SSB — 2016
What RIVERSIDE SAVINGS BANK, SSB reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 51,280,000 | 50,906,000 | 50,675,000 | 50,214,000 |
| Total loans | 35,456,000 | 35,100,000 | 34,311,000 | 33,443,000 |
| Allowance for loan losses | 206,000 | 210,000 | 210,000 | 199,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,515,000 | 4,468,000 | 5,355,000 | 5,704,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,047,000 | 39,662,000 | 40,395,000 | 39,733,000 |
| Interest-bearing deposits | 38,500,000 | 38,165,000 | 38,675,000 | 38,530,000 |
| Noninterest-bearing deposits | 1,547,000 | 1,497,000 | 1,720,000 | 1,203,000 |
| Equity capital | 8,940,000 | 8,935,000 | 8,979,000 | 9,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 513,000 | 1,024,000 | 1,555,000 | 2,058,000 |
| Interest expense | 83,000 | 166,000 | 249,000 | 327,000 |
| Net interest income | 430,000 | 858,000 | 1,306,000 | 1,731,000 |
| Noninterest income | 55,000 | 107,000 | 178,000 | 234,000 |
| Noninterest expense | 477,000 | 969,000 | 1,432,000 | 1,891,000 |
| Provision for loan losses | 1,000 | 10,000 | 7,000 | -3,000 |
| Pretax income | 7,000 | -14,000 | 45,000 | 77,000 |
| Income tax | -5,000 | -21,000 | -6,000 | -12,000 |
| Net income | 12,000 | 7,000 | 51,000 | 89,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,950,000 | 8,945,000 | 8,989,000 | 9,027,000 |
| Total capital | 9,160,000 | 9,160,000 | 9,203,000 | 9,230,000 |
| Risk-weighted assets | 29,187,000 | 28,882,000 | 28,582,000 | 27,499,000 |