Call reports 2003
BANK RHODE ISLAND — 2003
What BANK RHODE ISLAND reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 1,019,378,000 | 1,047,970,000 | 1,077,580,000 | 1,093,144,000 |
| Total loans | 704,376,000 | 747,523,000 | 789,535,000 | 814,282,000 |
| Allowance for loan losses | 10,435,000 | 10,831,000 | 10,808,000 | 11,078,000 |
| Securities available for sale | 247,112,000 | 217,331,000 | 188,849,000 | 205,263,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 762,875,000 | 784,890,000 | 800,938,000 | 812,120,000 |
| Interest-bearing deposits | 722,097,000 | 706,370,000 | 726,271,000 | 730,349,000 |
| Noninterest-bearing deposits | 40,778,000 | 78,520,000 | 74,667,000 | 81,771,000 |
| Equity capital | 73,930,000 | 78,660,000 | 80,385,000 | 83,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 12,881,000 | 25,821,000 | 38,502,000 | 51,841,000 |
| Interest expense | 4,918,000 | 9,712,000 | 14,281,000 | 18,784,000 |
| Net interest income | 7,963,000 | 16,109,000 | 24,221,000 | 33,057,000 |
| Noninterest income | 1,744,000 | 3,858,000 | 5,721,000 | 7,689,000 |
| Noninterest expense | 6,778,000 | 14,012,000 | 20,942,000 | 28,385,000 |
| Provision for loan losses | 400,000 | 800,000 | 1,200,000 | 1,600,000 |
| Pretax income | 2,687,000 | 5,592,000 | 8,585,000 | 11,849,000 |
| Income tax | 862,000 | 1,831,000 | 2,837,000 | 3,911,000 |
| Net income | 1,825,000 | 3,761,000 | 5,748,000 | 7,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,172,000 | 65,358,000 | 68,495,000 | 70,835,000 |
| Total capital | 69,575,000 | 74,083,000 | 77,644,000 | 80,215,000 |
| Risk-weighted assets | 670,227,000 | 695,923,000 | 730,300,000 | 748,738,000 |