Call reports 2006
RSI BANK — 2006
What RSI BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 403,320,000 | 406,494,000 | 406,370,000 | 410,307,000 |
| Total loans | 180,059,000 | 184,334,000 | 186,830,000 | 187,136,000 |
| Allowance for loan losses | 1,296,000 | 1,311,000 | 1,326,000 | 1,341,000 |
| Securities available for sale | 25,760,000 | 24,085,000 | 26,000,000 | 26,948,000 |
| Securities held to maturity | 154,604,000 | 154,392,000 | 147,160,000 | 146,809,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,808,000 | 332,010,000 | 332,179,000 | 336,096,000 |
| Interest-bearing deposits | 302,446,000 | 305,636,000 | 306,254,000 | 309,572,000 |
| Noninterest-bearing deposits | 25,362,000 | 26,374,000 | 25,925,000 | 26,524,000 |
| Equity capital | 64,120,000 | 64,185,000 | 64,718,000 | 64,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,856,000 | 9,658,000 | 14,561,000 | 19,502,000 |
| Interest expense | 2,178,000 | 4,601,000 | 7,250,000 | 10,078,000 |
| Net interest income | 2,678,000 | 5,057,000 | 7,311,000 | 9,424,000 |
| Noninterest income | 202,000 | 459,000 | 723,000 | 993,000 |
| Noninterest expense | 2,199,000 | 4,544,000 | 6,632,000 | 8,946,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 666,000 | 942,000 | 1,357,000 | 1,411,000 |
| Income tax | 215,000 | 284,000 | 385,000 | 371,000 |
| Net income | 451,000 | 658,000 | 972,000 | 1,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,460,000 | 64,665,000 | 64,992,000 | 65,061,000 |
| Total capital | 65,756,000 | 65,976,000 | 66,318,000 | 66,402,000 |
| Risk-weighted assets | 189,432,000 | 197,188,000 | 197,201,000 | 197,301,000 |