Call reports 2022
RCB BANK — 2022
What RCB BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 4,175,547,000 | 4,132,088,000 | 3,928,172,000 | 3,775,612,000 |
| Total loans | 2,141,144,000 | 2,221,761,000 | 2,263,754,000 | 2,277,561,000 |
| Allowance for loan losses | 26,625,000 | 26,602,000 | 26,597,000 | 26,516,000 |
| Securities available for sale | 996,297,000 | 969,809,000 | 1,011,871,000 | 1,033,560,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,779,301,000 | 3,773,969,000 | 3,597,829,000 | 3,443,859,000 |
| Interest-bearing deposits | 2,604,307,000 | 2,542,242,000 | 2,414,942,000 | 2,359,350,000 |
| Noninterest-bearing deposits | 1,174,994,000 | 1,231,726,000 | 1,182,887,000 | 1,084,509,000 |
| Equity capital | 349,166,000 | 311,442,000 | 303,746,000 | 309,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 25,642,000 | 54,235,000 | 86,132,000 | 119,647,000 |
| Interest expense | 1,496,000 | 3,066,000 | 5,297,000 | 8,915,000 |
| Net interest income | 24,146,000 | 51,169,000 | 80,835,000 | 110,732,000 |
| Noninterest income | 7,722,000 | 15,243,000 | 22,316,000 | 29,792,000 |
| Noninterest expense | 22,772,000 | 45,920,000 | 70,535,000 | 95,261,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 9,096,000 | 20,318,000 | 32,473,000 | 45,120,000 |
| Income tax | 354,000 | 680,000 | 1,006,000 | 0 |
| Net income | 8,742,000 | 19,638,000 | 31,467,000 | 45,120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 292,750,000 | 295,886,000 | 306,102,000 | 315,295,000 |
| Total capital | 319,375,000 | 322,488,000 | 332,699,000 | 341,811,000 |
| Risk-weighted assets | 2,418,649,000 | 2,488,185,000 | 2,556,548,000 | 2,573,960,000 |