Call reports 2005
RAINIER PACIFIC SAVINGS BANK — 2005
What RAINIER PACIFIC SAVINGS BANK 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 | 754,698,000 | 767,358,000 | 787,054,000 | 869,649,000 |
| Total loans | 498,154,000 | 515,995,000 | 540,746,000 | 582,894,000 |
| Allowance for loan losses | 9,027,000 | 8,799,000 | 8,729,000 | 8,597,000 |
| Securities available for sale | 111,106,000 | 109,682,000 | 105,704,000 | 144,212,000 |
| Securities held to maturity | 90,631,000 | 87,285,000 | 84,097,000 | 81,497,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,621,000 | 379,726,000 | 402,284,000 | 444,762,000 |
| Interest-bearing deposits | 331,111,000 | 345,953,000 | 365,852,000 | 408,545,000 |
| Noninterest-bearing deposits | 36,510,000 | 33,773,000 | 36,433,000 | 36,217,000 |
| Equity capital | 84,229,000 | 85,130,000 | 80,491,000 | 81,120,000 |
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 | 10,094,000 | 20,409,000 | 31,330,000 | 43,171,000 |
| Interest expense | 3,740,000 | 8,063,000 | 13,016,000 | 18,772,000 |
| Net interest income | 6,354,000 | 12,346,000 | 18,314,000 | 24,399,000 |
| Noninterest income | 1,901,000 | 3,464,000 | 5,097,000 | 6,676,000 |
| Noninterest expense | 6,582,000 | 12,916,000 | 19,366,000 | 25,745,000 |
| Provision for loan losses | 300,000 | 450,000 | 600,000 | 750,000 |
| Pretax income | 1,373,000 | 2,442,000 | 3,443,000 | 4,578,000 |
| Income tax | 467,000 | 829,000 | 1,171,000 | 1,557,000 |
| Net income | 906,000 | 1,613,000 | 2,272,000 | 3,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,244,000 | 85,674,000 | 80,898,000 | 81,897,000 |
| Total capital | 91,791,000 | 92,526,000 | 87,975,000 | 90,038,000 |
| Risk-weighted assets | 521,286,000 | 546,229,000 | 564,546,000 | 650,788,000 |