Call reports 2023
BANK RHODE ISLAND — 2023
What BANK RHODE ISLAND reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 3,319,641,000 | 3,242,765,000 | 3,208,737,000 | 3,308,085,000 |
| Total loans | 2,476,290,000 | 2,698,485,000 | 2,696,227,000 | 2,766,481,000 |
| Allowance for loan losses | 30,420,000 | 34,735,000 | 34,688,000 | 33,928,000 |
| Securities available for sale | 292,286,000 | 266,090,000 | 253,738,000 | 278,451,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 8,462,000 | 10,623,000 | 11,931,000 | 7,270,000 |
| Total deposits | 2,519,825,000 | 2,536,874,000 | 2,543,808,000 | 2,498,907,000 |
| Interest-bearing deposits | 1,775,742,000 | 1,827,600,000 | 1,863,258,000 | 1,857,637,000 |
| Noninterest-bearing deposits | 744,083,000 | 709,274,000 | 680,550,000 | 641,270,000 |
| Equity capital | 318,082,000 | 319,381,000 | 334,926,000 | 351,836,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 35,508,000 | 73,457,000 | 112,457,000 | 152,777,000 |
| Interest expense | 12,818,000 | 28,364,000 | 44,804,000 | 62,785,000 |
| Net interest income | 22,690,000 | 45,093,000 | 67,653,000 | 89,992,000 |
| Noninterest income | 2,309,000 | 4,764,000 | 7,028,000 | 9,384,000 |
| Noninterest expense | 14,670,000 | 29,634,000 | 44,679,000 | 59,491,000 |
| Provision for loan losses | 1,306,000 | 5,698,000 | 5,668,000 | 5,935,000 |
| Pretax income | 9,027,000 | 14,168,000 | 24,564,000 | 35,689,000 |
| Income tax | 2,105,000 | 3,315,000 | 5,906,000 | 8,485,000 |
| Net income | 6,922,000 | 10,853,000 | 18,658,000 | 27,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 251,358,000 | 255,299,000 | 275,116,000 | 283,673,000 |
| Total capital | 282,101,000 | 288,726,000 | 308,867,000 | 318,462,000 |
| Risk-weighted assets | 2,453,848,000 | 2,666,527,000 | 2,693,441,000 | 2,779,783,000 |