Call reports 2019
RIVERSIDE SAVINGS BANK, SSB — 2019
What RIVERSIDE SAVINGS BANK, SSB reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 74,132,000 | 73,504,000 | 71,603,000 | 72,564,000 |
| Total loans | 43,334,000 | 44,253,000 | 45,051,000 | 46,481,000 |
| Allowance for loan losses | 195,000 | 201,000 | 208,000 | 242,000 |
| Securities available for sale | 2,712,000 | 2,734,000 | 2,231,000 | 1,926,000 |
| Securities held to maturity | 7,859,000 | 6,883,000 | 8,276,000 | 8,146,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,916,000 | 54,044,000 | 50,998,000 | 50,295,000 |
| Interest-bearing deposits | 53,189,000 | 52,439,000 | 49,808,000 | 48,942,000 |
| Noninterest-bearing deposits | 1,727,000 | 1,605,000 | 1,190,000 | 1,353,000 |
| Equity capital | 18,701,000 | 18,868,000 | 19,009,000 | 18,850,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 768,000 | 1,521,000 | 2,294,000 | 3,005,000 |
| Interest expense | 89,000 | 183,000 | 281,000 | 379,000 |
| Net interest income | 679,000 | 1,338,000 | 2,013,000 | 2,626,000 |
| Noninterest income | 53,000 | 182,000 | 254,000 | 268,000 |
| Noninterest expense | 628,000 | 1,235,000 | 1,826,000 | 2,566,000 |
| Provision for loan losses | -2,000 | 2,000 | 8,000 | 47,000 |
| Pretax income | 106,000 | 283,000 | 433,000 | 281,000 |
| Income tax | 18,000 | 65,000 | 85,000 | 56,000 |
| Net income | 88,000 | 218,000 | 348,000 | 225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,706,000 | 17,847,000 | 17,869,000 | 17,833,000 |
| Total capital | 17,905,000 | 18,052,000 | 18,081,000 | 18,079,000 |
| Risk-weighted assets | 36,054,000 | 36,794,000 | 35,798,000 | 39,060,000 |