Call reports 2012
RSNB BANK — 2012
What RSNB BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 364,675,000 | 360,503,000 | 362,270,000 | 362,049,000 |
| Total loans | 97,993,000 | 95,694,000 | 93,442,000 | 86,093,000 |
| Allowance for loan losses | 2,014,000 | 1,700,000 | 1,700,000 | 1,250,000 |
| Securities available for sale | 234,682,000 | 235,609,000 | 227,529,000 | 245,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,500,000 | 322,381,000 | 320,649,000 | 320,772,000 |
| Interest-bearing deposits | 230,186,000 | 233,310,000 | 229,622,000 | 234,129,000 |
| Noninterest-bearing deposits | 95,314,000 | 89,071,000 | 91,027,000 | 86,643,000 |
| Equity capital | 37,878,000 | 36,716,000 | 40,026,000 | 40,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,002,000 | 5,934,000 | 8,873,000 | 11,504,000 |
| Interest expense | 380,000 | 578,000 | 745,000 | 896,000 |
| Net interest income | 2,622,000 | 5,356,000 | 8,128,000 | 10,608,000 |
| Noninterest income | 370,000 | 779,000 | 1,024,000 | 1,552,000 |
| Noninterest expense | 1,869,000 | 3,719,000 | 5,666,000 | 7,508,000 |
| Provision for loan losses | -25,000 | 763,000 | -15,000 | 49,000 |
| Pretax income | 1,086,000 | 1,686,000 | 4,016,000 | 5,123,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,086,000 | 1,686,000 | 4,016,000 | 5,123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,038,000 | 33,214,000 | 34,831,000 | 35,939,000 |
| Total capital | 35,747,000 | 34,886,000 | 36,542,000 | 37,203,000 |
| Risk-weighted assets | 136,375,000 | 133,784,000 | 138,967,000 | 137,616,000 |