Call reports 2014
RSI BANK — 2014
What RSI BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 495,514,000 | 489,476,000 | 494,227,000 | 493,200,000 |
| Total loans | 267,310,000 | 273,459,000 | 271,241,000 | 269,728,000 |
| Allowance for loan losses | 2,030,000 | 2,151,000 | 2,358,000 | 2,282,000 |
| Securities available for sale | 15,392,000 | 14,989,000 | 14,228,000 | 13,947,000 |
| Securities held to maturity | 167,175,000 | 160,341,000 | 152,351,000 | 152,606,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,011,000 | 386,939,000 | 390,870,000 | 388,823,000 |
| Interest-bearing deposits | 356,725,000 | 349,639,000 | 353,816,000 | 349,914,000 |
| Noninterest-bearing deposits | 38,286,000 | 37,300,000 | 37,054,000 | 38,909,000 |
| Equity capital | 75,813,000 | 76,049,000 | 76,780,000 | 75,456,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,838,000 | 7,606,000 | 11,312,000 | 14,958,000 |
| Interest expense | 564,000 | 1,133,000 | 1,718,000 | 2,311,000 |
| Net interest income | 3,274,000 | 6,473,000 | 9,594,000 | 12,647,000 |
| Noninterest income | 318,000 | 721,000 | 1,072,000 | 1,482,000 |
| Noninterest expense | 2,435,000 | 4,989,000 | 7,548,000 | 10,394,000 |
| Provision for loan losses | 165,000 | 330,000 | 485,000 | 650,000 |
| Pretax income | 992,000 | 1,875,000 | 2,633,000 | 3,085,000 |
| Income tax | 363,000 | 857,000 | 1,051,000 | 1,190,000 |
| Net income | 629,000 | 1,018,000 | 1,582,000 | 1,895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,494,000 | 76,883,000 | 77,447,000 | 77,759,000 |
| Total capital | 78,594,000 | 79,110,000 | 79,880,000 | 80,148,000 |
| Risk-weighted assets | 231,535,000 | 229,952,000 | 228,846,000 | 227,010,000 |