Call reports 2018
RIVERSIDE SAVINGS BANK, SSB — 2018
What RIVERSIDE SAVINGS BANK, SSB reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 48,805,000 | 46,569,000 | 45,674,000 | 76,038,000 |
| Total loans | 32,311,000 | 32,725,000 | 31,783,000 | 43,882,000 |
| Allowance for loan losses | 197,000 | 206,000 | 202,000 | 197,000 |
| Securities available for sale | 0 | 0 | 0 | 3,167,000 |
| Securities held to maturity | 6,579,000 | 6,535,000 | 6,496,000 | 6,445,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,771,000 | 35,685,000 | 34,834,000 | 56,996,000 |
| Interest-bearing deposits | 37,205,000 | 33,990,000 | 33,191,000 | 55,470,000 |
| Noninterest-bearing deposits | 1,566,000 | 1,695,000 | 1,643,000 | 1,526,000 |
| Equity capital | 8,806,000 | 8,768,000 | 8,759,000 | 18,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 487,000 | 980,000 | 1,472,000 | 2,266,000 |
| Interest expense | 69,000 | 131,000 | 191,000 | 283,000 |
| Net interest income | 418,000 | 849,000 | 1,281,000 | 1,983,000 |
| Noninterest income | 107,000 | 112,000 | 167,000 | 209,000 |
| Noninterest expense | 491,000 | 975,000 | 1,469,000 | 2,352,000 |
| Provision for loan losses | -1,000 | 12,000 | 25,000 | 33,000 |
| Pretax income | 35,000 | -26,000 | -46,000 | -193,000 |
| Income tax | 3,000 | -19,000 | -31,000 | -39,000 |
| Net income | 32,000 | -7,000 | -15,000 | -154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,964,000 | 8,926,000 | 8,917,000 | 17,664,000 |
| Total capital | 9,165,000 | 9,136,000 | 9,123,000 | 17,865,000 |
| Risk-weighted assets | 27,196,000 | 27,675,000 | 25,964,000 | 38,662,000 |