Call reports 2019
RSI BANK — 2019
What RSI BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 542,982,000 | 533,868,000 | 542,398,000 | 547,953,000 |
| Total loans | 348,145,000 | 356,842,000 | 349,546,000 | 359,846,000 |
| Allowance for loan losses | 3,963,000 | 4,214,000 | 4,243,000 | 4,302,000 |
| Securities available for sale | 11,776,000 | 11,177,000 | 10,554,000 | 9,716,000 |
| Securities held to maturity | 128,500,000 | 122,024,000 | 118,382,000 | 119,070,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 434,954,000 | 424,389,000 | 432,029,000 | 436,801,000 |
| Interest-bearing deposits | 375,840,000 | 366,424,000 | 374,327,000 | 379,955,000 |
| Noninterest-bearing deposits | 59,114,000 | 57,965,000 | 57,702,000 | 56,846,000 |
| Equity capital | 85,067,000 | 85,777,000 | 86,372,000 | 86,449,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,668,000 | 9,257,000 | 13,899,000 | 18,533,000 |
| Interest expense | 959,000 | 1,978,000 | 3,121,000 | 4,262,000 |
| Net interest income | 3,709,000 | 7,279,000 | 10,778,000 | 14,271,000 |
| Noninterest income | 284,000 | 614,000 | 987,000 | 1,344,000 |
| Noninterest expense | 2,832,000 | 5,903,000 | 9,006,000 | 12,303,000 |
| Provision for loan losses | 70,000 | 70,000 | 125,000 | 170,000 |
| Pretax income | 1,091,000 | 1,920,000 | 2,634,000 | 3,142,000 |
| Income tax | 285,000 | 489,000 | 659,000 | 765,000 |
| Net income | 806,000 | 1,431,000 | 1,975,000 | 2,377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,376,000 | 87,001,000 | 87,545,000 | 87,947,000 |
| Total capital | 90,401,000 | 91,142,000 | 91,660,000 | 92,188,000 |
| Risk-weighted assets | 310,843,000 | 317,869,000 | 314,058,000 | 322,347,000 |