Call reports 2002
RHINEBECK BANK — 2002
What RHINEBECK BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 284,928,000 | 296,006,000 | 301,519,000 | 306,038,000 |
| Total loans | 221,891,000 | 233,927,000 | 236,829,000 | 233,783,000 |
| Allowance for loan losses | 2,197,000 | 2,293,000 | 2,474,000 | 2,596,000 |
| Securities available for sale | 17,395,000 | 18,032,000 | 15,919,000 | 13,018,000 |
| Securities held to maturity | 16,368,000 | 21,098,000 | 21,032,000 | 22,801,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,076,000 | 273,177,000 | 277,804,000 | 281,092,000 |
| Interest-bearing deposits | 214,159,000 | 223,291,000 | 221,082,000 | 225,508,000 |
| Noninterest-bearing deposits | 46,917,000 | 49,886,000 | 56,722,000 | 55,584,000 |
| Equity capital | 20,176,000 | 20,744,000 | 21,369,000 | 22,163,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,839,000 | 9,744,000 | 14,771,000 | 19,604,000 |
| Interest expense | 1,292,000 | 2,529,000 | 3,685,000 | 4,670,000 |
| Net interest income | 3,547,000 | 7,215,000 | 11,086,000 | 14,934,000 |
| Noninterest income | 491,000 | 1,018,000 | 1,577,000 | 2,423,000 |
| Noninterest expense | 2,771,000 | 5,974,000 | 8,857,000 | 12,174,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 900,000 |
| Pretax income | 1,042,000 | 1,809,000 | 3,131,000 | 4,317,000 |
| Income tax | 404,000 | 623,000 | 1,170,000 | 1,569,000 |
| Net income | 638,000 | 1,186,000 | 1,961,000 | 2,748,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,029,000 | 20,534,000 | 21,206,000 | 21,998,000 |
| Total capital | 22,226,000 | 22,827,000 | 23,680,000 | 24,594,000 |
| Risk-weighted assets | 218,821,000 | 231,851,000 | 234,033,000 | 232,513,000 |