Call reports 2009
RSI BANK — 2009
What RSI BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 454,886,000 | 460,689,000 | 466,101,000 | 472,951,000 |
| Total loans | 237,465,000 | 232,930,000 | 236,033,000 | 235,873,000 |
| Allowance for loan losses | 1,633,000 | 1,722,000 | 1,564,000 | 1,926,000 |
| Securities available for sale | 20,475,000 | 18,322,000 | 18,159,000 | 22,210,000 |
| Securities held to maturity | 141,531,000 | 147,789,000 | 160,402,000 | 162,531,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 360,907,000 | 366,205,000 | 371,619,000 | 378,675,000 |
| Interest-bearing deposits | 334,123,000 | 338,522,000 | 343,650,000 | 349,164,000 |
| Noninterest-bearing deposits | 26,784,000 | 27,683,000 | 27,969,000 | 29,511,000 |
| Equity capital | 66,083,000 | 66,402,000 | 67,005,000 | 67,531,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,167,000 | 10,234,000 | 15,353,000 | 20,576,000 |
| Interest expense | 2,510,000 | 4,899,000 | 7,140,000 | 9,146,000 |
| Net interest income | 2,657,000 | 5,335,000 | 8,213,000 | 11,430,000 |
| Noninterest income | 306,000 | 620,000 | 899,000 | 1,255,000 |
| Noninterest expense | 2,371,000 | 4,933,000 | 7,319,000 | 9,943,000 |
| Provision for loan losses | 66,000 | 155,000 | 272,000 | 634,000 |
| Pretax income | 526,000 | 867,000 | 1,521,000 | 1,751,000 |
| Income tax | 141,000 | 250,000 | 457,000 | 509,000 |
| Net income | 385,000 | 617,000 | 1,064,000 | 1,242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,879,000 | 68,085,000 | 68,630,000 | 68,814,000 |
| Total capital | 69,512,000 | 69,807,000 | 70,194,000 | 70,740,000 |
| Risk-weighted assets | 228,741,000 | 230,515,000 | 233,814,000 | 234,463,000 |