Call reports 2020
RSI BANK — 2020
What RSI BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 553,265,000 | 598,278,000 | 603,872,000 | 606,375,000 |
| Total loans | 362,409,000 | 379,905,000 | 378,377,000 | 375,185,000 |
| Allowance for loan losses | 4,398,000 | 4,618,000 | 4,871,000 | 5,097,000 |
| Securities available for sale | 8,943,000 | 5,817,000 | 5,103,000 | 4,434,000 |
| Securities held to maturity | 116,488,000 | 119,685,000 | 122,666,000 | 127,434,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 441,730,000 | 474,682,000 | 481,364,000 | 487,658,000 |
| Interest-bearing deposits | 380,487,000 | 398,038,000 | 402,745,000 | 406,151,000 |
| Noninterest-bearing deposits | 61,243,000 | 76,644,000 | 78,619,000 | 81,507,000 |
| Equity capital | 86,859,000 | 87,140,000 | 87,513,000 | 88,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,664,000 | 9,059,000 | 13,375,000 | 17,557,000 |
| Interest expense | 1,125,000 | 2,170,000 | 3,033,000 | 3,694,000 |
| Net interest income | 3,539,000 | 6,889,000 | 10,342,000 | 13,863,000 |
| Noninterest income | 348,000 | 702,000 | 1,141,000 | 2,845,000 |
| Noninterest expense | 3,170,000 | 6,371,000 | 9,522,000 | 12,820,000 |
| Provision for loan losses | 225,000 | 435,000 | 680,000 | 900,000 |
| Pretax income | 492,000 | 984,000 | 1,289,000 | 2,992,000 |
| Income tax | 110,000 | 220,000 | 283,000 | 761,000 |
| Net income | 382,000 | 764,000 | 1,006,000 | 2,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,329,000 | 88,711,000 | 89,292,000 | 90,517,000 |