Call reports 2005
RHINEBECK BANK — 2005
What RHINEBECK BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 385,251,000 | 394,602,000 | 395,751,000 | 405,603,000 |
| Total loans | 301,760,000 | 313,041,000 | 320,847,000 | 329,878,000 |
| Allowance for loan losses | 2,840,000 | 2,893,000 | 2,921,000 | 2,949,000 |
| Securities available for sale | 17,115,000 | 17,189,000 | 14,249,000 | 13,137,000 |
| Securities held to maturity | 28,401,000 | 25,712,000 | 22,701,000 | 20,714,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,464,000 | 336,457,000 | 334,221,000 | 345,372,000 |
| Interest-bearing deposits | 250,356,000 | 255,885,000 | 250,623,000 | 270,326,000 |
| Noninterest-bearing deposits | 72,108,000 | 80,572,000 | 83,598,000 | 75,046,000 |
| Equity capital | 28,314,000 | 28,828,000 | 29,718,000 | 30,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,061,000 | 10,370,000 | 16,062,000 | 21,884,000 |
| Interest expense | 1,077,000 | 2,239,000 | 3,504,000 | 4,966,000 |
| Net interest income | 3,984,000 | 8,131,000 | 12,558,000 | 16,918,000 |
| Noninterest income | 685,000 | 1,369,000 | 2,022,000 | 2,695,000 |
| Noninterest expense | 3,369,000 | 7,014,000 | 10,458,000 | 14,022,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,150,000 | 2,186,000 | 3,609,000 | 4,915,000 |
| Income tax | 370,000 | 692,000 | 1,164,000 | 1,511,000 |
| Net income | 780,000 | 1,494,000 | 2,445,000 | 3,404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,381,000 | 28,756,000 | 29,786,000 | 30,765,000 |
| Total capital | 36,221,000 | 36,649,000 | 37,707,000 | 38,714,000 |
| Risk-weighted assets | 314,407,000 | 324,716,000 | 330,050,000 | 338,624,000 |