Call reports 2016
RABOBANK, NATIONAL ASSOCIATION — 2016
What RABOBANK, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 14,299,000,000 | 14,213,000,000 | 14,159,000,000 | 14,547,000,000 |
| Total loans | 9,789,000,000 | 9,779,000,000 | 9,756,000,000 | 10,270,000,000 |
| Allowance for loan losses | 139,000,000 | 140,000,000 | 141,000,000 | 148,000,000 |
| Securities available for sale | 3,150,000,000 | 3,003,000,000 | 3,009,000,000 | 2,911,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 137,000,000 | 166,000,000 | 152,000,000 | 85,000,000 |
| Total deposits | 11,663,000,000 | 11,414,000,000 | 11,207,000,000 | 10,922,000,000 |
| Interest-bearing deposits | 7,990,000,000 | 7,807,000,000 | 7,536,000,000 | 7,119,000,000 |
| Noninterest-bearing deposits | 3,673,000,000 | 3,607,000,000 | 3,671,000,000 | 3,803,000,000 |
| Equity capital | 1,782,000,000 | 1,807,000,000 | 1,818,000,000 | 1,808,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 115,000,000 | 229,000,000 | 346,000,000 | 469,000,000 |
| Interest expense | 22,000,000 | 43,000,000 | 65,000,000 | 86,000,000 |
| Net interest income | 93,000,000 | 186,000,000 | 281,000,000 | 383,000,000 |
| Noninterest income | 15,000,000 | 28,000,000 | 42,000,000 | 58,000,000 |
| Noninterest expense | 81,000,000 | 156,000,000 | 235,000,000 | 319,000,000 |
| Provision for loan losses | -2,000,000 | -3,000,000 | -5,000,000 | 1,000,000 |
| Pretax income | 30,000,000 | 62,000,000 | 94,000,000 | 122,000,000 |
| Income tax | 11,000,000 | 25,000,000 | 39,000,000 | 50,000,000 |
| Net income | 19,000,000 | 37,000,000 | 55,000,000 | 72,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,489,000,000 | 1,509,000,000 | 1,526,000,000 | 1,545,000,000 |
| Total capital | 1,623,000,000 | 1,643,000,000 | 1,659,000,000 | 1,683,000,000 |
| Risk-weighted assets | 10,731,080,000 | 10,669,700,000 | 10,618,920,000 | 11,046,000,000 |