Call reports 2004
RHINEBECK BANK — 2004
What RHINEBECK BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 354,241,000 | 363,061,000 | 373,585,000 | 382,712,000 |
| Total loans | 263,908,000 | 268,001,000 | 286,445,000 | 298,457,000 |
| Allowance for loan losses | 2,823,000 | 2,863,000 | 2,848,000 | 2,766,000 |
| Securities available for sale | 16,976,000 | 20,561,000 | 21,415,000 | 19,869,000 |
| Securities held to maturity | 38,541,000 | 35,511,000 | 32,840,000 | 30,994,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,558,000 | 320,712,000 | 328,513,000 | 319,229,000 |
| Interest-bearing deposits | 217,093,000 | 225,279,000 | 234,506,000 | 247,645,000 |
| Noninterest-bearing deposits | 90,465,000 | 95,433,000 | 94,007,000 | 71,584,000 |
| Equity capital | 25,778,000 | 26,303,000 | 27,210,000 | 27,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,774,000 | 9,455,000 | 14,298,000 | 19,297,000 |
| Interest expense | 737,000 | 1,475,000 | 2,236,000 | 3,122,000 |
| Net interest income | 4,037,000 | 7,980,000 | 12,062,000 | 16,175,000 |
| Noninterest income | 613,000 | 1,192,000 | 1,843,000 | 2,572,000 |
| Noninterest expense | 3,532,000 | 7,151,000 | 10,596,000 | 14,869,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,043,000 | 1,871,000 | 3,079,000 | 3,652,000 |
| Income tax | 318,000 | 561,000 | 850,000 | 1,015,000 |
| Net income | 725,000 | 1,310,000 | 2,229,000 | 2,637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,736,000 | 26,260,000 | 27,215,000 | 27,630,000 |
| Total capital | 28,559,000 | 29,123,000 | 30,063,000 | 30,396,000 |
| Risk-weighted assets | 274,083,000 | 281,379,000 | 298,383,000 | 311,070,000 |