Call reports 2003
RSI BANK — 2003
What RSI 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 | 431,803,000 | 430,441,000 | 429,857,000 | 428,585,000 |
| Total loans | 125,583,000 | 128,055,000 | 133,945,000 | 139,424,000 |
| Allowance for loan losses | 1,098,000 | 1,120,000 | 1,143,000 | 1,161,000 |
| Securities available for sale | 31,626,000 | 32,874,000 | 33,022,000 | 31,773,000 |
| Securities held to maturity | 234,880,000 | 239,991,000 | 224,567,000 | 228,831,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,499,000 | 365,138,000 | 364,738,000 | 362,515,000 |
| Interest-bearing deposits | 347,116,000 | 345,479,000 | 342,755,000 | 341,069,000 |
| Noninterest-bearing deposits | 20,383,000 | 19,659,000 | 21,983,000 | 21,446,000 |
| Equity capital | 54,387,000 | 55,439,000 | 56,051,000 | 56,907,000 |
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 | 5,597,000 | 10,884,000 | 15,757,000 | 20,783,000 |
| Interest expense | 2,437,000 | 4,660,000 | 6,633,000 | 8,471,000 |
| Net interest income | 3,160,000 | 6,224,000 | 9,124,000 | 12,312,000 |
| Noninterest income | 178,000 | 344,000 | 471,000 | 673,000 |
| Noninterest expense | 1,701,000 | 3,342,000 | 5,112,000 | 7,062,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 1,614,000 | 3,181,000 | 4,415,000 | 5,833,000 |
| Income tax | 550,000 | 1,074,000 | 1,487,000 | 1,962,000 |
| Net income | 1,064,000 | 2,107,000 | 2,928,000 | 3,871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,287,000 | 55,330,000 | 55,918,000 | 56,843,000 |
| Total capital | 55,401,000 | 56,470,000 | 57,076,000 | 58,012,000 |
| Risk-weighted assets | 192,504,000 | 187,102,000 | 191,254,000 | 192,194,000 |