Call reports 2003
RHINEBECK BANK — 2003
What RHINEBECK BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 317,160,000 | 341,559,000 | 346,109,000 | 349,644,000 |
| Total loans | 233,449,000 | 239,447,000 | 250,769,000 | 259,025,000 |
| Allowance for loan losses | 2,708,000 | 2,819,000 | 2,902,000 | 2,863,000 |
| Securities available for sale | 13,415,000 | 22,534,000 | 19,884,000 | 18,115,000 |
| Securities held to maturity | 40,092,000 | 42,440,000 | 44,646,000 | 40,792,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 291,648,000 | 307,249,000 | 310,912,000 | 302,611,000 |
| Interest-bearing deposits | 233,654,000 | 241,919,000 | 240,727,000 | 233,307,000 |
| Noninterest-bearing deposits | 57,994,000 | 65,330,000 | 70,185,000 | 69,304,000 |
| Equity capital | 22,889,000 | 23,539,000 | 24,258,000 | 25,035,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,694,000 | 9,379,000 | 13,997,000 | 18,763,000 |
| Interest expense | 909,000 | 1,839,000 | 2,633,000 | 3,375,000 |
| Net interest income | 3,785,000 | 7,540,000 | 11,364,000 | 15,388,000 |
| Noninterest income | 814,000 | 1,807,000 | 2,415,000 | 3,149,000 |
| Noninterest expense | 3,097,000 | 6,655,000 | 10,165,000 | 13,778,000 |
| Provision for loan losses | 225,000 | 450,000 | 575,000 | 650,000 |
| Pretax income | 1,277,000 | 2,242,000 | 3,039,000 | 4,116,000 |
| Income tax | 467,000 | 782,000 | 902,000 | 1,237,000 |
| Net income | 810,000 | 1,460,000 | 2,137,000 | 2,879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,750,000 | 23,358,000 | 24,110,000 | 25,001,000 |
| Total capital | 25,458,000 | 26,177,000 | 27,012,000 | 27,864,000 |
| Risk-weighted assets | 237,019,000 | 252,250,000 | 262,473,000 | 269,659,000 |