Call reports 2016
RCB BANK — 2016
What RCB BANK 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 | 2,542,751,000 | 2,538,538,000 | 2,859,466,000 | 2,789,402,000 |
| Total loans | 1,396,828,000 | 1,437,089,000 | 1,573,411,000 | 1,612,989,000 |
| Allowance for loan losses | 17,543,000 | 17,885,000 | 17,997,000 | 18,241,000 |
| Securities available for sale | 804,703,000 | 776,398,000 | 810,342,000 | 845,880,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,203,593,000 | 2,199,515,000 | 2,509,335,000 | 2,470,209,000 |
| Interest-bearing deposits | 1,695,546,000 | 1,645,738,000 | 1,951,965,000 | 1,890,462,000 |
| Noninterest-bearing deposits | 508,047,000 | 553,777,000 | 557,370,000 | 579,748,000 |
| Equity capital | 258,362,000 | 266,794,000 | 271,476,000 | 250,920,000 |
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 | 20,699,000 | 41,266,000 | 63,305,000 | 85,863,000 |
| Interest expense | 1,830,000 | 3,638,000 | 5,512,000 | 7,455,000 |
| Net interest income | 18,869,000 | 37,628,000 | 57,793,000 | 78,408,000 |
| Noninterest income | 4,759,000 | 9,914,000 | 15,700,000 | 21,726,000 |
| Noninterest expense | 16,013,000 | 32,321,000 | 50,521,000 | 68,854,000 |
| Provision for loan losses | 500,000 | 950,000 | 1,250,000 | 1,687,000 |
| Pretax income | 7,119,000 | 14,947,000 | 22,390,000 | 30,280,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 7,119,000 | 14,947,000 | 22,390,000 | 30,280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 205,990,000 | 211,135,000 | 210,967,000 | 216,313,000 |
| Total capital | 223,533,000 | 229,020,000 | 228,964,000 | 234,554,000 |
| Risk-weighted assets | 1,666,223,000 | 1,689,061,000 | 1,871,430,000 | 1,889,013,000 |