Call reports 2005
BANK RHODE ISLAND — 2005
What BANK RHODE ISLAND reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,307,169,000 | 1,377,633,000 | 1,416,743,000 | 1,441,738,000 |
| Total loans | 906,433,000 | 925,653,000 | 941,532,000 | 950,807,000 |
| Allowance for loan losses | 12,212,000 | 11,394,000 | 11,758,000 | 12,168,000 |
| Securities available for sale | 314,561,000 | 360,946,000 | 375,201,000 | 389,975,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 901,298,000 | 935,241,000 | 961,702,000 | 981,296,000 |
| Interest-bearing deposits | 808,658,000 | 914,357,000 | 877,536,000 | 883,695,000 |
| Noninterest-bearing deposits | 92,640,000 | 20,884,000 | 84,166,000 | 97,601,000 |
| Equity capital | 92,088,000 | 100,924,000 | 100,517,000 | 101,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 15,764,000 | 32,851,000 | 50,736,000 | 69,605,000 |
| Interest expense | 5,094,000 | 11,199,000 | 18,130,000 | 25,833,000 |
| Net interest income | 10,670,000 | 21,652,000 | 32,606,000 | 43,772,000 |
| Noninterest income | 2,059,000 | 4,374,000 | 6,845,000 | 8,986,000 |
| Noninterest expense | 8,383,000 | 17,395,000 | 26,459,000 | 35,823,000 |
| Provision for loan losses | 300,000 | 654,000 | 1,064,000 | 1,474,000 |
| Pretax income | 4,038,000 | 8,073,000 | 12,109,000 | 15,642,000 |
| Income tax | 1,365,000 | 2,745,000 | 4,144,000 | 5,263,000 |
| Net income | 2,673,000 | 5,328,000 | 7,965,000 | 10,379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,701,000 | 90,188,000 | 91,847,000 | 93,339,000 |
| Total capital | 94,195,000 | 100,974,000 | 102,384,000 | 104,717,000 |
| Risk-weighted assets | 837,784,000 | 862,264,000 | 880,894,000 | 909,440,000 |