Call reports 2008
RSI BANK — 2008
What RSI BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 431,711,000 | 435,702,000 | 445,136,000 | 445,300,000 |
| Total loans | 207,164,000 | 214,377,000 | 242,300,000 | 242,782,000 |
| Allowance for loan losses | 1,491,000 | 1,513,000 | 1,568,000 | 1,567,000 |
| Securities available for sale | 24,175,000 | 22,875,000 | 21,723,000 | 20,661,000 |
| Securities held to maturity | 149,799,000 | 154,021,000 | 147,752,000 | 140,232,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 355,238,000 | 359,257,000 | 348,111,000 | 350,840,000 |
| Interest-bearing deposits | 330,399,000 | 331,963,000 | 322,469,000 | 323,976,000 |
| Noninterest-bearing deposits | 24,839,000 | 27,294,000 | 25,642,000 | 26,864,000 |
| Equity capital | 65,182,000 | 65,063,000 | 65,572,000 | 65,564,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,139,000 | 10,302,000 | 15,669,000 | 21,120,000 |
| Interest expense | 3,166,000 | 6,110,000 | 8,859,000 | 11,496,000 |
| Net interest income | 1,973,000 | 4,192,000 | 6,810,000 | 9,624,000 |
| Noninterest income | 343,000 | 632,000 | 949,000 | 1,299,000 |
| Noninterest expense | 2,048,000 | 4,277,000 | 6,533,000 | 8,889,000 |
| Provision for loan losses | 23,000 | 45,000 | 100,000 | 250,000 |
| Pretax income | 245,000 | 502,000 | 1,126,000 | 1,784,000 |
| Income tax | 43,000 | 85,000 | 257,000 | -433,000 |
| Net income | 202,000 | 417,000 | 869,000 | 2,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,724,000 | 65,794,000 | 66,235,000 | 67,479,000 |
| Total capital | 67,244,000 | 67,307,000 | 67,803,000 | 69,046,000 |
| Risk-weighted assets | 209,813,000 | 213,039,000 | 225,034,000 | 226,300,000 |