Call reports 2025
RIVERSIDE SAVINGS BANK, SSB — 2025
What RIVERSIDE SAVINGS BANK, SSB reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 93,698,000 | 92,573,000 | 92,606,000 | 94,218,000 |
| Total loans | 54,901,000 | 55,603,000 | 56,389,000 | 58,572,000 |
| Allowance for loan losses | 352,000 | 365,000 | 367,000 | 405,000 |
| Securities available for sale | 24,453,000 | 23,635,000 | 24,165,000 | 23,894,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,575,000 | 71,744,000 | 69,596,000 | 71,114,000 |
| Interest-bearing deposits | 69,406,000 | 68,434,000 | 66,825,000 | 67,615,000 |
| Noninterest-bearing deposits | 3,169,000 | 3,310,000 | 2,771,000 | 3,499,000 |
| Equity capital | 15,341,000 | 15,066,000 | 15,684,000 | 15,946,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,048,000 | 2,135,000 | 3,239,000 | 4,353,000 |
| Interest expense | 446,000 | 910,000 | 1,388,000 | 1,860,000 |
| Net interest income | 602,000 | 1,225,000 | 1,851,000 | 2,493,000 |
| Noninterest income | 77,000 | 206,000 | 285,000 | 363,000 |
| Noninterest expense | 645,000 | 1,272,000 | 1,913,000 | 2,558,000 |
| Provision for loan losses | 0 | 15,000 | 25,000 | 65,000 |
| Pretax income | 34,000 | 144,000 | 198,000 | 233,000 |
| Income tax | -11,000 | 16,000 | 19,000 | 15,000 |
| Net income | 45,000 | 128,000 | 179,000 | 218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,256,000 | 17,350,000 | 17,413,000 | 17,463,000 |