Call reports 2006
BANK RHODE ISLAND — 2006
What BANK RHODE ISLAND reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,429,777,000 | 1,466,307,000 | 1,496,672,000 | 1,477,547,000 |
| Total loans | 957,408,000 | 996,837,000 | 1,008,148,000 | 1,004,292,000 |
| Allowance for loan losses | 12,282,000 | 12,462,000 | 12,301,000 | 12,377,000 |
| Securities available for sale | 379,596,000 | 367,718,000 | 353,206,000 | 358,899,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 956,597,000 | 992,829,000 | 987,987,000 | 1,016,724,000 |
| Interest-bearing deposits | 867,001,000 | 897,879,000 | 903,636,000 | 919,944,000 |
| Noninterest-bearing deposits | 89,596,000 | 94,950,000 | 84,351,000 | 96,780,000 |
| Equity capital | 100,034,000 | 100,895,000 | 106,455,000 | 112,516,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 19,425,000 | 39,390,000 | 60,495,000 | 81,575,000 |
| Interest expense | 8,209,000 | 17,519,000 | 27,740,000 | 38,460,000 |
| Net interest income | 11,216,000 | 21,871,000 | 32,755,000 | 43,115,000 |
| Noninterest income | 2,268,000 | 4,872,000 | 7,183,000 | 9,449,000 |
| Noninterest expense | 10,685,000 | 20,224,000 | 29,392,000 | 37,815,000 |
| Provision for loan losses | 300,000 | 740,000 | 1,090,000 | 1,202,000 |
| Pretax income | 2,499,000 | 5,779,000 | 8,597,000 | 12,688,000 |
| Income tax | 813,000 | 1,877,000 | 2,803,000 | 4,115,000 |
| Net income | 1,686,000 | 3,902,000 | 5,794,000 | 8,573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,325,000 | 96,542,000 | 98,434,000 | 104,213,000 |
| Total capital | 105,818,000 | 108,637,000 | 110,735,000 | 116,590,000 |
| Risk-weighted assets | 918,628,000 | 967,240,000 | 997,523,000 | 1,010,114,000 |