Call reports 2016
RSI BANK — 2016
What RSI BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 495,351,000 | 505,701,000 | 508,663,000 | 506,550,000 |
| Total loans | 287,039,000 | 292,354,000 | 293,632,000 | 303,943,000 |
| Allowance for loan losses | 2,486,000 | 2,593,000 | 2,726,000 | 2,883,000 |
| Securities available for sale | 12,956,000 | 12,465,000 | 11,498,000 | 10,772,000 |
| Securities held to maturity | 151,402,000 | 146,282,000 | 144,684,000 | 143,953,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,041,000 | 401,315,000 | 403,683,000 | 403,234,000 |
| Interest-bearing deposits | 344,543,000 | 352,844,000 | 354,346,000 | 354,042,000 |
| Noninterest-bearing deposits | 45,498,000 | 48,471,000 | 49,337,000 | 49,192,000 |
| Equity capital | 78,348,000 | 79,009,000 | 79,592,000 | 80,384,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,730,000 | 7,514,000 | 11,185,000 | 14,928,000 |
| Interest expense | 626,000 | 1,260,000 | 1,911,000 | 2,563,000 |
| Net interest income | 3,104,000 | 6,254,000 | 9,274,000 | 12,365,000 |
| Noninterest income | 435,000 | 853,000 | 1,262,000 | 1,637,000 |
| Noninterest expense | 2,494,000 | 4,995,000 | 7,504,000 | 10,218,000 |
| Provision for loan losses | 96,000 | 156,000 | 246,000 | 396,000 |
| Pretax income | 949,000 | 1,956,000 | 2,786,000 | 3,388,000 |
| Income tax | 310,000 | 641,000 | 902,000 | 1,071,000 |
| Net income | 639,000 | 1,315,000 | 1,884,000 | 2,317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,059,000 | 80,736,000 | 81,305,000 | 81,737,000 |
| Total capital | 82,653,000 | 83,408,000 | 84,111,000 | 84,706,000 |
| Risk-weighted assets | 252,862,000 | 255,313,000 | 254,874,000 | 260,517,000 |