Call reports 2005
RSI BANK — 2005
What RSI BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 422,982,000 | 417,491,000 | 408,682,000 | 405,463,000 |
| Total loans | 163,116,000 | 168,843,000 | 171,610,000 | 177,560,000 |
| Allowance for loan losses | 1,236,000 | 1,251,000 | 1,266,000 | 1,281,000 |
| Securities available for sale | 30,797,000 | 31,068,000 | 29,641,000 | 27,199,000 |
| Securities held to maturity | 191,662,000 | 180,516,000 | 168,770,000 | 161,072,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,997,000 | 344,484,000 | 335,193,000 | 331,398,000 |
| Interest-bearing deposits | 325,968,000 | 321,113,000 | 311,466,000 | 303,875,000 |
| Noninterest-bearing deposits | 25,029,000 | 23,371,000 | 23,727,000 | 27,523,000 |
| Equity capital | 61,686,000 | 62,750,000 | 63,256,000 | 63,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,854,000 | 9,893,000 | 14,737,000 | 19,410,000 |
| Interest expense | 1,645,000 | 3,432,000 | 5,370,000 | 7,429,000 |
| Net interest income | 3,209,000 | 6,461,000 | 9,367,000 | 11,981,000 |
| Noninterest income | 179,000 | 356,000 | 566,000 | 795,000 |
| Noninterest expense | 1,936,000 | 3,920,000 | 6,145,000 | 8,436,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 1,437,000 | 2,867,000 | 3,743,000 | 4,280,000 |
| Income tax | 479,000 | 959,000 | 1,246,000 | 1,391,000 |
| Net income | 958,000 | 1,908,000 | 2,497,000 | 2,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,826,000 | 62,776,000 | 63,364,000 | 64,023,000 |
| Total capital | 63,067,000 | 64,041,000 | 64,635,000 | 65,307,000 |
| Risk-weighted assets | 196,848,000 | 196,689,000 | 194,670,000 | 192,267,000 |