Call reports 2023
RIVERSIDE SAVINGS BANK, SSB — 2023
What RIVERSIDE SAVINGS BANK, SSB reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 94,797,000 | 93,952,000 | 97,368,000 | 93,651,000 |
| Total loans | 51,064,000 | 51,016,000 | 52,900,000 | 52,862,000 |
| Allowance for loan losses | 412,000 | 379,000 | 365,000 | 330,000 |
| Securities available for sale | 64,000 | 59,000 | 53,000 | 26,793,000 |
| Securities held to maturity | 32,992,000 | 32,641,000 | 32,304,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,399,000 | 68,610,000 | 72,167,000 | 72,540,000 |
| Interest-bearing deposits | 65,920,000 | 65,468,000 | 68,974,000 | 70,193,000 |
| Noninterest-bearing deposits | 2,479,000 | 3,142,000 | 3,193,000 | 2,347,000 |
| Equity capital | 19,487,000 | 19,481,000 | 19,450,000 | 15,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 861,000 | 1,719,000 | 2,601,000 | 3,556,000 |
| Interest expense | 271,000 | 575,000 | 955,000 | 1,432,000 |
| Net interest income | 590,000 | 1,144,000 | 1,646,000 | 2,124,000 |
| Noninterest income | 49,000 | 100,000 | 186,000 | 170,000 |
| Noninterest expense | 688,000 | 1,357,000 | 2,030,000 | 2,728,000 |
| Provision for loan losses | -1,000 | -34,000 | -48,000 | -83,000 |
| Pretax income | -48,000 | -79,000 | -150,000 | -2,261,000 |
| Income tax | -39,000 | -65,000 | -106,000 | -608,000 |
| Net income | -9,000 | -14,000 | -44,000 | -1,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,979,000 | 18,984,000 | 18,965,000 | 17,372,000 |