Call reports 2021
RIVERSIDE SAVINGS BANK, SSB — 2021
What RIVERSIDE SAVINGS BANK, SSB reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 84,630,000 | 88,017,000 | 90,058,000 | 90,604,000 |
| Total loans | 48,183,000 | 49,906,000 | 50,647,000 | 50,240,000 |
| Allowance for loan losses | 282,000 | 296,000 | 322,000 | 321,000 |
| Securities available for sale | 136,000 | 123,000 | 110,000 | 101,000 |
| Securities held to maturity | 14,131,000 | 18,653,000 | 22,284,000 | 24,020,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,693,000 | 68,197,000 | 70,144,000 | 70,382,000 |
| Interest-bearing deposits | 62,826,000 | 64,560,000 | 66,118,000 | 66,216,000 |
| Noninterest-bearing deposits | 1,867,000 | 3,637,000 | 4,026,000 | 4,166,000 |
| Equity capital | 19,071,000 | 19,044,000 | 19,098,000 | 19,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 683,000 | 1,351,000 | 2,052,000 | 2,763,000 |
| Interest expense | 87,000 | 156,000 | 216,000 | 270,000 |
| Net interest income | 596,000 | 1,195,000 | 1,836,000 | 2,493,000 |
| Noninterest income | 228,000 | 382,000 | 495,000 | 920,000 |
| Noninterest expense | 692,000 | 1,347,000 | 2,020,000 | 2,697,000 |
| Provision for loan losses | 15,000 | 29,000 | 57,000 | 72,000 |
| Pretax income | 117,000 | 201,000 | 254,000 | 644,000 |
| Income tax | 19,000 | 29,000 | 25,000 | 105,000 |
| Net income | 98,000 | 172,000 | 229,000 | 539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,269,000 | 18,354,000 | 18,423,000 | 18,744,000 |