Call reports 2007
RSI BANK — 2007
What RSI BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 415,284,000 | 414,782,000 | 412,907,000 | 422,192,000 |
| Total loans | 189,672,000 | 192,981,000 | 200,896,000 | 205,118,000 |
| Allowance for loan losses | 1,386,000 | 1,413,000 | 1,443,000 | 1,468,000 |
| Securities available for sale | 25,603,000 | 26,704,000 | 25,917,000 | 25,338,000 |
| Securities held to maturity | 148,405,000 | 151,096,000 | 144,803,000 | 143,823,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 340,584,000 | 340,005,000 | 338,433,000 | 346,444,000 |
| Interest-bearing deposits | 312,108,000 | 310,377,000 | 310,266,000 | 320,607,000 |
| Noninterest-bearing deposits | 28,476,000 | 29,628,000 | 28,167,000 | 25,837,000 |
| Equity capital | 65,117,000 | 65,139,000 | 65,484,000 | 64,892,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,998,000 | 10,074,000 | 15,164,000 | 20,267,000 |
| Interest expense | 2,902,000 | 5,896,000 | 8,944,000 | 12,105,000 |
| Net interest income | 2,096,000 | 4,178,000 | 6,220,000 | 8,162,000 |
| Noninterest income | 252,000 | 536,000 | 845,000 | 1,233,000 |
| Noninterest expense | 1,939,000 | 4,140,000 | 6,230,000 | 8,622,000 |
| Provision for loan losses | 18,000 | 45,000 | 75,000 | 105,000 |
| Pretax income | 391,000 | 529,000 | 760,000 | 668,000 |
| Income tax | 149,000 | 155,000 | 203,000 | 124,000 |
| Net income | 242,000 | 374,000 | 557,000 | 544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,257,000 | 65,373,000 | 65,564,000 | 65,558,000 |
| Total capital | 66,643,000 | 66,786,000 | 67,007,000 | 67,032,000 |
| Risk-weighted assets | 199,592,000 | 201,872,000 | 206,522,000 | 209,203,000 |