Call reports 2012
RABOBANK, NATIONAL ASSOCIATION — 2012
What RABOBANK, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 11,646,000,000 | 11,837,000,000 | 11,942,000,000 | 13,323,000,000 |
| Total loans | 7,711,000,000 | 7,889,000,000 | 8,122,000,000 | 8,602,000,000 |
| Allowance for loan losses | 126,000,000 | 132,000,000 | 125,000,000 | 125,000,000 |
| Securities available for sale | 2,001,000,000 | 1,859,000,000 | 1,977,000,000 | 2,679,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 42,000,000 | 64,000,000 | 74,000,000 | 77,000,000 |
| Total deposits | 8,329,000,000 | 8,275,000,000 | 8,538,000,000 | 9,940,000,000 |
| Interest-bearing deposits | 5,937,000,000 | 5,758,000,000 | 5,892,000,000 | 5,615,000,000 |
| Noninterest-bearing deposits | 2,392,000,000 | 2,517,000,000 | 2,646,000,000 | 4,325,000,000 |
| Equity capital | 2,206,000,000 | 2,219,000,000 | 2,239,000,000 | 2,243,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 107,000,000 | 207,000,000 | 310,000,000 | 414,000,000 |
| Interest expense | 17,000,000 | 34,000,000 | 50,000,000 | 66,000,000 |
| Net interest income | 90,000,000 | 173,000,000 | 260,000,000 | 348,000,000 |
| Noninterest income | 14,000,000 | 23,000,000 | 37,000,000 | 46,000,000 |
| Noninterest expense | 70,000,000 | 139,000,000 | 212,000,000 | 285,000,000 |
| Provision for loan losses | -7,000,000 | -5,000,000 | -6,000,000 | 0 |
| Pretax income | 41,000,000 | 62,000,000 | 91,000,000 | 109,000,000 |
| Income tax | 16,000,000 | 24,000,000 | 35,000,000 | 44,000,000 |
| Net income | 25,000,000 | 38,000,000 | 56,000,000 | 65,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,250,000,000 | 1,265,000,000 | 1,285,000,000 | 1,297,000,000 |
| Total capital | 1,357,000,000 | 1,374,000,000 | 1,396,000,000 | 1,415,000,000 |
| Risk-weighted assets | 8,581,700,000 | 8,719,600,000 | 8,898,000,000 | 9,451,600,000 |