Call reports 2011
RSI BANK — 2011
What RSI BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 491,136,000 | 490,705,000 | 497,118,000 | 494,465,000 |
| Total loans | 234,022,000 | 234,261,000 | 230,849,000 | 226,895,000 |
| Allowance for loan losses | 3,123,000 | 3,514,000 | 3,551,000 | 3,342,000 |
| Securities available for sale | 20,848,000 | 19,781,000 | 18,770,000 | 20,666,000 |
| Securities held to maturity | 173,593,000 | 175,765,000 | 181,578,000 | 180,867,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 394,978,000 | 394,295,000 | 400,559,000 | 397,376,000 |
| Interest-bearing deposits | 362,321,000 | 362,094,000 | 368,466,000 | 364,464,000 |
| Noninterest-bearing deposits | 32,657,000 | 32,201,000 | 32,093,000 | 32,912,000 |
| Equity capital | 70,605,000 | 71,342,000 | 71,645,000 | 71,285,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,601,000 | 9,239,000 | 13,819,000 | 18,194,000 |
| Interest expense | 1,170,000 | 2,300,000 | 3,379,000 | 4,385,000 |
| Net interest income | 3,431,000 | 6,939,000 | 10,440,000 | 13,809,000 |
| Noninterest income | 282,000 | 616,000 | 937,000 | 1,238,000 |
| Noninterest expense | 2,326,000 | 4,740,000 | 7,155,000 | 9,724,000 |
| Provision for loan losses | 513,000 | 905,000 | 1,953,000 | 2,403,000 |
| Pretax income | 874,000 | 1,910,000 | 2,269,000 | 2,920,000 |
| Income tax | 281,000 | 671,000 | 758,000 | 959,000 |
| Net income | 593,000 | 1,239,000 | 1,511,000 | 1,961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,945,000 | 72,594,000 | 72,865,000 | 73,316,000 |
| Total capital | 74,843,000 | 75,509,000 | 75,799,000 | 76,248,000 |
| Risk-weighted assets | 231,875,000 | 232,192,000 | 232,237,000 | 232,153,000 |