Call reports 2004
RSNB BANK — 2004
What RSNB BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 244,137,000 | 244,666,000 | 240,356,000 | 251,727,000 |
| Total loans | 103,723,000 | 113,081,000 | 118,989,000 | 124,217,000 |
| Allowance for loan losses | 600,000 | 700,000 | 800,000 | 800,000 |
| Securities available for sale | 128,452,000 | 118,651,000 | 102,608,000 | 109,118,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,966,000 | 204,360,000 | 199,980,000 | 209,595,000 |
| Interest-bearing deposits | 161,286,000 | 163,453,000 | 157,797,000 | 165,100,000 |
| Noninterest-bearing deposits | 39,680,000 | 40,907,000 | 42,183,000 | 44,495,000 |
| Equity capital | 23,670,000 | 20,926,000 | 23,019,000 | 21,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,961,000 | 5,930,000 | 8,947,000 | 12,082,000 |
| Interest expense | 510,000 | 998,000 | 1,506,000 | 2,028,000 |
| Net interest income | 2,451,000 | 4,932,000 | 7,441,000 | 10,054,000 |
| Noninterest income | 236,000 | 502,000 | 785,000 | 1,082,000 |
| Noninterest expense | 1,298,000 | 2,626,000 | 4,010,000 | 5,385,000 |
| Provision for loan losses | -8,000 | 94,000 | 221,000 | 179,000 |
| Pretax income | 1,748,000 | 3,068,000 | 4,307,000 | 5,884,000 |
| Income tax | 592,000 | 1,038,000 | 1,423,000 | 1,918,000 |
| Net income | 1,156,000 | 2,030,000 | 2,884,000 | 3,966,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,887,000 | 22,076,000 | 22,932,000 | 22,014,000 |
| Total capital | 23,487,000 | 22,776,000 | 23,732,000 | 22,814,000 |
| Risk-weighted assets | 124,880,000 | 124,012,000 | 129,256,000 | 138,779,000 |
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