Call reports 2024
RIVERSIDE SAVINGS BANK, SSB — 2024
What RIVERSIDE SAVINGS BANK, SSB reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 95,153,000 | 94,192,000 | 93,929,000 | 92,724,000 |
| Total loans | 53,166,000 | 53,947,000 | 55,755,000 | 54,778,000 |
| Allowance for loan losses | 323,000 | 327,000 | 359,000 | 353,000 |
| Securities available for sale | 26,795,000 | 26,327,000 | 26,194,000 | 25,174,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,286,000 | 73,308,000 | 72,171,000 | 71,638,000 |
| Interest-bearing deposits | 71,774,000 | 70,466,000 | 69,550,000 | 68,699,000 |
| Noninterest-bearing deposits | 2,512,000 | 2,842,000 | 2,621,000 | 2,939,000 |
| Equity capital | 15,702,000 | 15,721,000 | 15,947,000 | 15,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,049,000 | 2,125,000 | 3,220,000 | 4,307,000 |
| Interest expense | 494,000 | 973,000 | 1,468,000 | 1,937,000 |
| Net interest income | 555,000 | 1,152,000 | 1,752,000 | 2,370,000 |
| Noninterest income | 40,000 | 90,000 | 247,000 | 338,000 |
| Noninterest expense | 629,000 | 1,253,000 | 2,448,000 | 3,070,000 |
| Provision for loan losses | -8,000 | -4,000 | 29,000 | 22,000 |
| Pretax income | -26,000 | -7,000 | -476,000 | -383,000 |
| Income tax | -25,000 | -40,000 | -209,000 | -166,000 |
| Net income | -1,000 | 33,000 | -267,000 | -217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,384,000 | 17,428,000 | 17,140,000 | 17,200,000 |