Call reports 2015
RSI BANK — 2015
What RSI BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 487,549,000 | 495,305,000 | 500,776,000 | 504,014,000 |
| Total loans | 267,551,000 | 266,774,000 | 269,877,000 | 280,017,000 |
| Allowance for loan losses | 2,233,000 | 2,276,000 | 2,310,000 | 2,392,000 |
| Securities available for sale | 13,444,000 | 12,683,000 | 11,933,000 | 13,397,000 |
| Securities held to maturity | 155,639,000 | 154,125,000 | 154,524,000 | 157,362,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,492,000 | 391,298,000 | 396,147,000 | 399,303,000 |
| Interest-bearing deposits | 342,954,000 | 350,506,000 | 355,491,000 | 355,213,000 |
| Noninterest-bearing deposits | 39,538,000 | 40,792,000 | 40,656,000 | 44,090,000 |
| Equity capital | 75,982,000 | 76,312,000 | 76,759,000 | 77,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,660,000 | 7,176,000 | 10,697,000 | 14,347,000 |
| Interest expense | 576,000 | 1,173,000 | 1,810,000 | 2,443,000 |
| Net interest income | 3,084,000 | 6,003,000 | 8,887,000 | 11,904,000 |
| Noninterest income | 330,000 | 669,000 | 1,041,000 | 1,419,000 |
| Noninterest expense | 2,619,000 | 5,378,000 | 7,987,000 | 10,670,000 |
| Provision for loan losses | 78,000 | 156,000 | 254,000 | 336,000 |
| Pretax income | 717,000 | 1,138,000 | 1,687,000 | 2,317,000 |
| Income tax | 232,000 | 346,000 | 474,000 | 657,000 |
| Net income | 485,000 | 792,000 | 1,213,000 | 1,660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,244,000 | 78,552,000 | 78,972,000 | 79,420,000 |
| Total capital | 80,571,000 | 80,932,000 | 81,372,000 | 81,912,000 |
| Risk-weighted assets | 232,924,000 | 232,033,000 | 236,281,000 | 245,765,000 |