Call reports 2012
BANK OF RIO VISTA — 2012
What BANK OF RIO VISTA 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 | 174,085,000 | 174,861,000 | 183,756,000 | 187,844,000 |
| Total loans | 68,165,000 | 66,099,000 | 62,387,000 | 58,721,000 |
| Allowance for loan losses | 1,522,000 | 1,473,000 | 1,614,000 | 1,677,000 |
| Securities available for sale | 86,530,000 | 82,685,000 | 77,068,000 | 96,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,427,000 | 150,429,000 | 159,038,000 | 163,616,000 |
| Interest-bearing deposits | 115,091,000 | 116,210,000 | 120,998,000 | 120,800,000 |
| Noninterest-bearing deposits | 35,336,000 | 34,219,000 | 38,040,000 | 42,816,000 |
| Equity capital | 22,750,000 | 23,378,000 | 23,663,000 | 23,400,000 |
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 | 1,519,000 | 3,304,000 | 4,692,000 | 5,954,000 |
| Interest expense | 111,000 | 216,000 | 322,000 | 412,000 |
| Net interest income | 1,408,000 | 3,088,000 | 4,370,000 | 5,542,000 |
| Noninterest income | 191,000 | 472,000 | 665,000 | 804,000 |
| Noninterest expense | 1,401,000 | 2,876,000 | 4,254,000 | 5,581,000 |
| Provision for loan losses | 100,000 | 175,000 | 175,000 | 175,000 |
| Pretax income | 98,000 | 509,000 | 606,000 | 681,000 |
| Income tax | 10,000 | 148,000 | 150,000 | 155,000 |
| Net income | 88,000 | 361,000 | 456,000 | 526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,856,000 | 20,240,000 | 20,598,000 | 20,450,000 |
| Total capital | 21,072,000 | 21,421,000 | 21,778,000 | 21,602,000 |
| Risk-weighted assets | 96,917,000 | 94,135,000 | 93,922,000 | 91,371,000 |
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