Call reports 2013
RSI BANK — 2013
What RSI BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 489,692,000 | 491,981,000 | 512,070,000 | 495,817,000 |
| Total loans | 228,487,000 | 234,168,000 | 245,860,000 | 261,727,000 |
| Allowance for loan losses | 1,769,000 | 1,771,000 | 1,873,000 | 1,865,000 |
| Securities available for sale | 19,072,000 | 17,780,000 | 16,404,000 | 15,891,000 |
| Securities held to maturity | 187,644,000 | 181,747,000 | 175,954,000 | 174,028,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 391,129,000 | 393,037,000 | 412,831,000 | 396,605,000 |
| Interest-bearing deposits | 355,917,000 | 356,058,000 | 374,628,000 | 360,006,000 |
| Noninterest-bearing deposits | 35,212,000 | 36,979,000 | 38,203,000 | 36,599,000 |
| Equity capital | 72,876,000 | 73,123,000 | 73,163,000 | 75,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,542,000 | 7,163,000 | 10,770,000 | 14,517,000 |
| Interest expense | 625,000 | 1,240,000 | 1,852,000 | 2,446,000 |
| Net interest income | 2,917,000 | 5,923,000 | 8,918,000 | 12,071,000 |
| Noninterest income | 258,000 | 672,000 | 1,075,000 | 1,449,000 |
| Noninterest expense | 2,784,000 | 5,487,000 | 8,122,000 | 10,997,000 |
| Provision for loan losses | 175,000 | 421,000 | 740,000 | 885,000 |
| Pretax income | 216,000 | 687,000 | 1,131,000 | 1,638,000 |
| Income tax | 21,000 | 145,000 | 301,000 | 459,000 |
| Net income | 195,000 | 542,000 | 830,000 | 1,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,881,000 | 75,228,000 | 75,516,000 | 75,866,000 |
| Total capital | 76,715,000 | 77,061,000 | 77,449,000 | 77,798,000 |
| Risk-weighted assets | 226,755,000 | 224,833,000 | 231,146,000 | 232,019,000 |