Call reports 2008
BANK RHODE ISLAND — 2008
What BANK RHODE ISLAND reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,490,171,000 | 1,489,834,000 | 1,489,366,000 | 1,528,162,000 |
| Total loans | 1,024,901,000 | 1,060,304,000 | 1,060,739,000 | 1,077,742,000 |
| Allowance for loan losses | 12,593,000 | 13,161,000 | 14,199,000 | 14,664,000 |
| Securities available for sale | 356,665,000 | 333,819,000 | 333,440,000 | 326,416,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,038,783,000 | 1,040,820,000 | 1,022,511,000 | 1,042,476,000 |
| Interest-bearing deposits | 957,726,000 | 955,090,000 | 940,395,000 | 956,030,000 |
| Noninterest-bearing deposits | 81,057,000 | 85,730,000 | 82,116,000 | 86,446,000 |
| Equity capital | 126,739,000 | 125,056,000 | 125,698,000 | 130,631,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 20,617,000 | 40,685,000 | 60,916,000 | 80,646,000 |
| Interest expense | 9,985,000 | 18,316,000 | 26,303,000 | 34,003,000 |
| Net interest income | 10,632,000 | 22,369,000 | 34,613,000 | 46,643,000 |
| Noninterest income | 2,570,000 | 4,973,000 | 7,259,000 | 9,804,000 |
| Noninterest expense | 9,155,000 | 18,285,000 | 27,182,000 | 36,486,000 |
| Provision for loan losses | 285,000 | 1,255,000 | 2,770,000 | 4,520,000 |
| Pretax income | 4,004,000 | 8,044,000 | 12,111,000 | 15,947,000 |
| Income tax | 1,295,000 | 2,610,000 | 3,925,000 | 5,183,000 |
| Net income | 2,709,000 | 5,434,000 | 8,186,000 | 10,764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,848,000 | 115,867,000 | 117,119,000 | 118,197,000 |
| Total capital | 126,441,000 | 128,744,000 | 130,091,000 | 131,396,000 |
| Risk-weighted assets | 1,012,021,000 | 1,029,881,000 | 1,036,547,000 | 1,054,490,000 |