Call reports 2017
RIVERSIDE SAVINGS BANK, SSB — 2017
What RIVERSIDE SAVINGS BANK, SSB reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 50,560,000 | 50,622,000 | 50,076,000 | 50,351,000 |
| Total loans | 32,255,000 | 31,432,000 | 31,409,000 | 32,250,000 |
| Allowance for loan losses | 182,000 | 173,000 | 195,000 | 198,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,675,000 | 5,654,000 | 6,150,000 | 6,609,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,044,000 | 40,279,000 | 39,931,000 | 40,359,000 |
| Interest-bearing deposits | 38,781,000 | 38,601,000 | 38,178,000 | 38,607,000 |
| Noninterest-bearing deposits | 1,263,000 | 1,678,000 | 1,753,000 | 1,752,000 |
| Equity capital | 9,031,000 | 8,942,000 | 8,886,000 | 8,774,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 480,000 | 957,000 | 1,437,000 | 1,918,000 |
| Interest expense | 74,000 | 147,000 | 221,000 | 295,000 |
| Net interest income | 406,000 | 810,000 | 1,216,000 | 1,623,000 |
| Noninterest income | 66,000 | 22,000 | 77,000 | 117,000 |
| Noninterest expense | 473,000 | 994,000 | 1,528,000 | 1,924,000 |
| Provision for loan losses | -17,000 | -15,000 | 10,000 | 13,000 |
| Pretax income | 16,000 | -147,000 | -245,000 | -197,000 |
| Income tax | 3,000 | -71,000 | -114,000 | -102,000 |
| Net income | 13,000 | -76,000 | -131,000 | -95,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,041,000 | 8,962,000 | 8,896,000 | 8,932,000 |
| Total capital | 9,227,000 | 9,139,000 | 9,095,000 | 9,134,000 |
| Risk-weighted assets | 27,402,000 | 26,830,000 | 26,548,000 | 27,414,000 |