Call reports 2007
BANK RHODE ISLAND — 2007
What BANK RHODE ISLAND reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,482,073,000 | 1,468,711,000 | 1,492,261,000 | 1,476,179,000 |
| Total loans | 1,007,448,000 | 1,024,234,000 | 1,025,875,000 | 1,038,133,000 |
| Allowance for loan losses | 12,438,000 | 12,545,000 | 12,562,000 | 12,619,000 |
| Securities available for sale | 350,745,000 | 330,309,000 | 345,872,000 | 348,699,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,028,986,000 | 1,026,527,000 | 1,019,790,000 | 1,015,434,000 |
| Interest-bearing deposits | 937,968,000 | 921,291,000 | 938,262,000 | 938,969,000 |
| Noninterest-bearing deposits | 91,018,000 | 105,236,000 | 81,528,000 | 76,465,000 |
| Equity capital | 115,794,000 | 116,692,000 | 121,344,000 | 124,026,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 21,203,000 | 42,645,000 | 64,669,000 | 86,479,000 |
| Interest expense | 10,711,000 | 21,565,000 | 32,915,000 | 43,950,000 |
| Net interest income | 10,492,000 | 21,080,000 | 31,754,000 | 42,529,000 |
| Noninterest income | 2,454,000 | 4,988,000 | 7,515,000 | 10,105,000 |
| Noninterest expense | 9,137,000 | 18,439,000 | 27,742,000 | 36,920,000 |
| Provision for loan losses | 100,000 | 200,000 | 490,000 | 700,000 |
| Pretax income | 3,709,000 | 7,429,000 | 11,291,000 | 15,268,000 |
| Income tax | 1,196,000 | 2,386,000 | 3,622,000 | 4,903,000 |
| Net income | 2,513,000 | 5,043,000 | 7,669,000 | 10,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 106,726,000 | 109,256,000 | 111,882,000 | 112,323,000 |
| Total capital | 119,031,000 | 121,626,000 | 124,444,000 | 124,942,000 |
| Risk-weighted assets | 984,260,000 | 989,392,000 | 1,012,600,000 | 1,013,202,000 |