Call reports 2012
RSI BANK — 2012
What RSI BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 494,324,000 | 499,397,000 | 510,742,000 | 501,171,000 |
| Total loans | 223,735,000 | 226,822,000 | 226,954,000 | 229,008,000 |
| Allowance for loan losses | 3,769,000 | 3,318,000 | 3,588,000 | 1,779,000 |
| Securities available for sale | 19,573,000 | 20,980,000 | 22,543,000 | 20,945,000 |
| Securities held to maturity | 184,755,000 | 186,941,000 | 191,383,000 | 193,276,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 396,301,000 | 400,586,000 | 411,087,000 | 402,681,000 |
| Interest-bearing deposits | 362,399,000 | 365,053,000 | 374,962,000 | 366,473,000 |
| Noninterest-bearing deposits | 33,902,000 | 35,533,000 | 36,125,000 | 36,208,000 |
| Equity capital | 71,925,000 | 72,101,000 | 72,662,000 | 72,701,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,306,000 | 8,429,000 | 12,311,000 | 16,043,000 |
| Interest expense | 917,000 | 1,780,000 | 2,588,000 | 3,303,000 |
| Net interest income | 3,389,000 | 6,649,000 | 9,723,000 | 12,740,000 |
| Noninterest income | 304,000 | 663,000 | 1,136,000 | 1,590,000 |
| Noninterest expense | 2,393,000 | 4,962,000 | 7,413,000 | 10,208,000 |
| Provision for loan losses | 430,000 | 706,000 | 1,143,000 | 1,935,000 |
| Pretax income | 870,000 | 1,644,000 | 2,303,000 | 2,187,000 |
| Income tax | 313,000 | 548,000 | 741,000 | 396,000 |
| Net income | 557,000 | 1,096,000 | 1,562,000 | 1,791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,872,000 | 73,991,000 | 74,457,000 | 74,687,000 |
| Total capital | 76,775,000 | 76,933,000 | 77,390,000 | 76,534,000 |
| Risk-weighted assets | 228,711,000 | 231,821,000 | 230,026,000 | 228,858,000 |