Call reports 2003
RSNB BANK — 2003
What RSNB BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 235,247,000 | 236,281,000 | 237,152,000 | 248,532,000 |
| Total loans | 91,958,000 | 92,220,000 | 97,747,000 | 94,948,000 |
| Allowance for loan losses | 600,000 | 600,000 | 600,000 | 600,000 |
| Securities available for sale | 131,316,000 | 129,684,000 | 127,231,000 | 140,470,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,120,000 | 191,350,000 | 192,309,000 | 204,079,000 |
| Interest-bearing deposits | 155,483,000 | 156,114,000 | 155,384,000 | 163,816,000 |
| Noninterest-bearing deposits | 34,637,000 | 35,236,000 | 36,925,000 | 40,263,000 |
| Equity capital | 23,759,000 | 22,802,000 | 22,975,000 | 22,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,836,000 | 5,592,000 | 8,313,000 | 11,138,000 |
| Interest expense | 739,000 | 1,396,000 | 1,989,000 | 2,538,000 |
| Net interest income | 2,097,000 | 4,196,000 | 6,324,000 | 8,600,000 |
| Noninterest income | 201,000 | 426,000 | 653,000 | 881,000 |
| Noninterest expense | 1,334,000 | 2,602,000 | 3,890,000 | 5,148,000 |
| Provision for loan losses | 51,000 | 181,000 | -1,000 | 18,000 |
| Pretax income | 1,130,000 | 2,111,000 | 3,360,000 | 4,597,000 |
| Income tax | 382,000 | 712,000 | 1,133,000 | 1,554,000 |
| Net income | 748,000 | 1,399,000 | 2,227,000 | 3,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,435,000 | 21,587,000 | 22,415,000 | 21,731,000 |
| Total capital | 23,035,000 | 22,187,000 | 23,015,000 | 22,331,000 |
| Risk-weighted assets | 117,075,000 | 119,708,000 | 123,271,000 | 122,603,000 |
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