Call reports 2004
RSI BANK — 2004
What RSI 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 | 427,616,000 | 428,312,000 | 425,462,000 | 426,718,000 |
| Total loans | 140,872,000 | 143,328,000 | 154,383,000 | 159,965,000 |
| Allowance for loan losses | 1,176,000 | 1,191,000 | 1,206,000 | 1,221,000 |
| Securities available for sale | 30,070,000 | 28,616,000 | 32,356,000 | 33,250,000 |
| Securities held to maturity | 215,904,000 | 213,312,000 | 199,832,000 | 193,437,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 359,620,000 | 361,245,000 | 355,765,000 | 356,023,000 |
| Interest-bearing deposits | 337,909,000 | 335,745,000 | 330,623,000 | 330,821,000 |
| Noninterest-bearing deposits | 21,711,000 | 25,500,000 | 25,142,000 | 25,202,000 |
| Equity capital | 58,217,000 | 58,682,000 | 59,955,000 | 60,925,000 |
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 | 5,029,000 | 9,752,000 | 14,579,000 | 19,492,000 |
| Interest expense | 1,709,000 | 3,365,000 | 4,995,000 | 6,655,000 |
| Net interest income | 3,320,000 | 6,387,000 | 9,584,000 | 12,837,000 |
| Noninterest income | 165,000 | 349,000 | 502,000 | 710,000 |
| Noninterest expense | 1,803,000 | 3,679,000 | 5,515,000 | 7,431,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 1,667,000 | 3,027,000 | 4,526,000 | 6,056,000 |
| Income tax | 559,000 | 1,012,000 | 1,511,000 | 2,016,000 |
| Net income | 1,108,000 | 2,015,000 | 3,015,000 | 4,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,952,000 | 58,858,000 | 59,858,000 | 60,868,000 |
| Total capital | 59,142,000 | 60,053,000 | 61,074,000 | 62,099,000 |
| Risk-weighted assets | 189,765,000 | 191,258,000 | 193,140,000 | 198,314,000 |