Call reports 2022
RIVERSIDE SAVINGS BANK, SSB — 2022
What RIVERSIDE SAVINGS BANK, SSB reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 95,864,000 | 96,768,000 | 97,061,000 | 95,798,000 |
| Total loans | 50,312,000 | 50,568,000 | 50,452,000 | 51,240,000 |
| Allowance for loan losses | 323,000 | 323,000 | 327,000 | 337,000 |
| Securities available for sale | 99,000 | 82,000 | 74,000 | 68,000 |
| Securities held to maturity | 26,246,000 | 32,167,000 | 32,659,000 | 33,291,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,646,000 | 71,448,000 | 71,674,000 | 68,299,000 |
| Interest-bearing deposits | 67,683,000 | 68,673,000 | 68,538,000 | 65,823,000 |
| Noninterest-bearing deposits | 2,963,000 | 2,775,000 | 3,136,000 | 2,476,000 |
| Equity capital | 19,400,000 | 19,476,000 | 19,551,000 | 19,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 725,000 | 1,485,000 | 2,289,000 | 3,122,000 |
| Interest expense | 50,000 | 138,000 | 226,000 | 393,000 |
| Net interest income | 675,000 | 1,347,000 | 2,063,000 | 2,729,000 |
| Noninterest income | 83,000 | 160,000 | 213,000 | 291,000 |
| Noninterest expense | 663,000 | 1,344,000 | 2,046,000 | 2,769,000 |
| Provision for loan losses | 2,000 | 2,000 | 6,000 | 16,000 |
| Pretax income | 93,000 | 161,000 | 224,000 | 235,000 |
| Income tax | 1,000 | -7,000 | -20,000 | -15,000 |
| Net income | 92,000 | 168,000 | 244,000 | 250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,848,000 | 18,934,000 | 19,021,000 | 19,038,000 |