Call reports 2020
RIVERSIDE SAVINGS BANK, SSB — 2020
What RIVERSIDE SAVINGS BANK, SSB reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 70,168,000 | 73,447,000 | 74,635,000 | 78,330,000 |
| Total loans | 45,611,000 | 47,036,000 | 47,622,000 | 48,544,000 |
| Allowance for loan losses | 239,000 | 247,000 | 257,000 | 267,000 |
| Securities available for sale | 196,000 | 267,000 | 160,000 | 148,000 |
| Securities held to maturity | 3,792,000 | 8,718,000 | 9,450,000 | 10,160,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,593,000 | 54,017,000 | 55,039,000 | 58,575,000 |
| Interest-bearing deposits | 48,757,000 | 51,836,000 | 53,338,000 | 56,564,000 |
| Noninterest-bearing deposits | 1,836,000 | 2,181,000 | 1,701,000 | 2,011,000 |
| Equity capital | 18,864,000 | 18,804,000 | 18,908,000 | 19,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 865,000 | 1,502,000 | 2,190,000 | 2,887,000 |
| Interest expense | 99,000 | 196,000 | 295,000 | 387,000 |
| Net interest income | 766,000 | 1,306,000 | 1,895,000 | 2,500,000 |
| Noninterest income | 79,000 | 111,000 | 291,000 | 524,000 |
| Noninterest expense | 660,000 | 1,278,000 | 1,908,000 | 2,621,000 |
| Provision for loan losses | 19,000 | 60,000 | 70,000 | 80,000 |
| Pretax income | 166,000 | 79,000 | 208,000 | 323,000 |
| Income tax | 37,000 | 8,000 | 33,000 | 52,000 |
| Net income | 129,000 | 71,000 | 175,000 | 271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,973,000 | 17,927,000 | 18,048,000 | 18,158,000 |