Call reports 2012
RCB BANK — 2012
What RCB BANK 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 | 2,047,886,000 | 2,038,184,000 | 2,024,694,000 | 2,114,413,000 |
| Total loans | 878,381,000 | 900,104,000 | 901,441,000 | 919,762,000 |
| Allowance for loan losses | 14,992,000 | 15,488,000 | 15,666,000 | 15,477,000 |
| Securities available for sale | 930,602,000 | 949,482,000 | 904,049,000 | 937,952,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,753,638,000 | 1,738,569,000 | 1,713,588,000 | 1,805,399,000 |
| Interest-bearing deposits | 1,430,635,000 | 1,398,426,000 | 1,367,843,000 | 1,461,242,000 |
| Noninterest-bearing deposits | 323,002,000 | 340,142,000 | 345,745,000 | 344,157,000 |
| Equity capital | 210,229,000 | 212,725,000 | 217,732,000 | 214,820,000 |
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 | 18,852,000 | 37,698,000 | 56,161,000 | 73,999,000 |
| Interest expense | 3,380,000 | 6,540,000 | 9,583,000 | 12,430,000 |
| Net interest income | 15,472,000 | 31,158,000 | 46,578,000 | 61,569,000 |
| Noninterest income | 4,804,000 | 9,415,000 | 14,887,000 | 20,819,000 |
| Noninterest expense | 12,929,000 | 25,772,000 | 39,900,000 | 52,701,000 |
| Provision for loan losses | 660,000 | 1,260,000 | 1,560,000 | 1,860,000 |
| Pretax income | 6,698,000 | 13,552,000 | 20,340,000 | 28,201,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 6,698,000 | 13,552,000 | 20,340,000 | 28,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 141,718,000 | 145,519,000 | 149,506,000 | 154,647,000 |
| Total capital | 154,399,000 | 158,483,000 | 162,392,000 | 167,925,000 |
| Risk-weighted assets | 1,012,275,000 | 1,034,576,000 | 1,028,067,000 | 1,060,303,000 |