Call reports 2004
BANK RHODE ISLAND — 2004
What BANK RHODE ISLAND reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 1,128,544,000 | 1,199,351,000 | 1,210,191,000 | 1,238,138,000 |
| Total loans | 826,777,000 | 839,999,000 | 869,090,000 | 886,301,000 |
| Allowance for loan losses | 11,296,000 | 11,475,000 | 11,673,000 | 11,906,000 |
| Securities available for sale | 208,909,000 | 267,871,000 | 268,046,000 | 276,793,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 837,158,000 | 888,236,000 | 886,514,000 | 881,021,000 |
| Interest-bearing deposits | 753,223,000 | 797,854,000 | 795,982,000 | 792,290,000 |
| Noninterest-bearing deposits | 83,935,000 | 90,382,000 | 90,532,000 | 88,731,000 |
| Equity capital | 90,383,000 | 87,573,000 | 92,132,000 | 93,352,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 13,637,000 | 27,451,000 | 42,373,000 | 57,783,000 |
| Interest expense | 4,467,000 | 8,897,000 | 13,693,000 | 18,614,000 |
| Net interest income | 9,170,000 | 18,554,000 | 28,680,000 | 39,169,000 |
| Noninterest income | 1,784,000 | 3,824,000 | 5,853,000 | 8,413,000 |
| Noninterest expense | 7,470,000 | 15,318,000 | 23,595,000 | 32,379,000 |
| Provision for loan losses | 300,000 | 500,000 | 700,000 | 900,000 |
| Pretax income | 3,381,000 | 6,901,000 | 10,570,000 | 14,392,000 |
| Income tax | 1,107,000 | 2,281,000 | 3,530,000 | 4,800,000 |
| Net income | 2,274,000 | 4,620,000 | 7,040,000 | 9,592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,259,000 | 78,756,000 | 80,276,000 | 81,928,000 |
| Total capital | 86,998,000 | 88,950,000 | 90,634,000 | 92,597,000 |
| Risk-weighted assets | 777,565,000 | 814,199,000 | 827,299,000 | 852,276,000 |