Call reports 2010
RSI BANK — 2010
What RSI BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 476,549,000 | 483,890,000 | 482,799,000 | 478,546,000 |
| Total loans | 232,228,000 | 231,634,000 | 229,875,000 | 228,920,000 |
| Allowance for loan losses | 1,959,000 | 2,079,000 | 2,332,000 | 2,630,000 |
| Securities available for sale | 23,096,000 | 21,958,000 | 23,726,000 | 21,803,000 |
| Securities held to maturity | 170,331,000 | 176,597,000 | 175,149,000 | 178,310,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 381,302,000 | 388,081,000 | 386,591,000 | 383,542,000 |
| Interest-bearing deposits | 353,233,000 | 354,554,000 | 353,037,000 | 353,087,000 |
| Noninterest-bearing deposits | 28,069,000 | 33,527,000 | 33,554,000 | 30,455,000 |
| Equity capital | 68,030,000 | 68,978,000 | 69,786,000 | 69,991,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,113,000 | 10,159,000 | 15,091,000 | 19,797,000 |
| Interest expense | 1,609,000 | 3,115,000 | 4,508,000 | 5,789,000 |
| Net interest income | 3,504,000 | 7,044,000 | 10,583,000 | 14,008,000 |
| Noninterest income | 241,000 | 570,000 | 951,000 | 1,337,000 |
| Noninterest expense | 2,248,000 | 4,596,000 | 7,070,000 | 9,684,000 |
| Provision for loan losses | 100,000 | 220,000 | 545,000 | 1,075,000 |
| Pretax income | 1,397,000 | 2,798,000 | 3,919,000 | 4,582,000 |
| Income tax | 494,000 | 1,047,000 | 1,447,000 | 1,671,000 |
| Net income | 903,000 | 1,751,000 | 2,472,000 | 2,911,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,323,000 | 70,194,000 | 70,916,000 | 71,354,000 |
| Total capital | 71,282,000 | 72,274,000 | 73,253,000 | 73,995,000 |
| Risk-weighted assets | 236,080,000 | 236,417,000 | 236,424,000 | 232,844,000 |