Call reports 2015
RSNB BANK — 2015
What RSNB BANK 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 | 384,677,000 | 371,734,000 | 364,048,000 | 376,297,000 |
| Total loans | 66,290,000 | 68,191,000 | 66,354,000 | 68,868,000 |
| Allowance for loan losses | 700,000 | 727,000 | 680,000 | 710,000 |
| Securities available for sale | 273,833,000 | 270,616,000 | 268,526,000 | 274,769,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 340,002,000 | 329,457,000 | 320,149,000 | 332,073,000 |
| Interest-bearing deposits | 244,981,000 | 237,713,000 | 230,075,000 | 237,393,000 |
| Noninterest-bearing deposits | 95,021,000 | 91,744,000 | 90,074,000 | 94,680,000 |
| Equity capital | 43,221,000 | 40,716,000 | 42,244,000 | 42,790,000 |
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 | 2,505,000 | 4,952,000 | 7,346,000 | 9,798,000 |
| Interest expense | 131,000 | 264,000 | 394,000 | 527,000 |
| Net interest income | 2,374,000 | 4,688,000 | 6,952,000 | 9,271,000 |
| Noninterest income | 475,000 | 940,000 | 1,408,000 | 1,845,000 |
| Noninterest expense | 1,938,000 | 3,831,000 | 5,678,000 | 7,528,000 |
| Provision for loan losses | -60,000 | -60,000 | -121,000 | 28,000 |
| Pretax income | 1,074,000 | 1,997,000 | 2,909,000 | 3,948,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,074,000 | 1,997,000 | 2,909,000 | 3,948,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,974,000 | 39,580,000 | 39,834,000 | 40,874,000 |
| Total capital | 40,694,000 | 40,327,000 | 40,534,000 | 41,604,000 |
| Risk-weighted assets | 142,924,000 | 142,398,000 | 141,389,000 | 145,032,000 |