Call reports 2015
RG BANK, A SAVINGS AND LOAN ASSOCIATION — 2015
What RG BANK, A SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 91,151,000 | 93,565,000 | 95,820,000 | 96,488,000 |
| Total loans | 65,698,000 | 65,910,000 | 65,269,000 | 65,016,000 |
| Allowance for loan losses | 629,000 | 635,000 | 629,000 | 635,000 |
| Securities available for sale | 10,697,000 | 12,238,000 | 12,142,000 | 18,125,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,181,000 | 82,445,000 | 84,537,000 | 85,214,000 |
| Interest-bearing deposits | 72,182,000 | 74,474,000 | 75,207,000 | 75,046,000 |
| Noninterest-bearing deposits | 7,999,000 | 7,971,000 | 9,330,000 | 10,168,000 |
| Equity capital | 10,788,000 | 10,837,000 | 10,974,000 | 11,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 941,000 | 1,882,000 | 2,804,000 | 3,760,000 |
| Interest expense | 33,000 | 73,000 | 119,000 | 165,000 |
| Net interest income | 908,000 | 1,809,000 | 2,685,000 | 3,595,000 |
| Noninterest income | 102,000 | 214,000 | 339,000 | 409,000 |
| Noninterest expense | 879,000 | 1,732,000 | 2,588,000 | 3,463,000 |
| Provision for loan losses | 6,000 | 12,000 | 21,000 | 27,000 |
| Pretax income | 125,000 | 279,000 | 415,000 | 514,000 |
| Income tax | 43,000 | 100,000 | 106,000 | 142,000 |
| Net income | 82,000 | 179,000 | 309,000 | 372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,803,000 | 10,900,000 | 11,030,000 | 11,094,000 |
| Total capital | 11,432,000 | 11,508,000 | 11,641,000 | 11,729,000 |
| Risk-weighted assets | 53,596,000 | 48,628,000 | 48,892,000 | 54,774,000 |