Call reports 2006
RHINEBECK BANK — 2006
What RHINEBECK BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 411,673,000 | 420,288,000 | 437,754,000 | 456,586,000 |
| Total loans | 336,684,000 | 344,815,000 | 361,919,000 | 376,093,000 |
| Allowance for loan losses | 3,055,000 | 3,108,000 | 3,209,000 | 3,174,000 |
| Securities available for sale | 17,603,000 | 21,056,000 | 23,227,000 | 22,483,000 |
| Securities held to maturity | 19,437,000 | 17,139,000 | 15,804,000 | 14,850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 345,995,000 | 354,067,000 | 362,909,000 | 387,045,000 |
| Interest-bearing deposits | 273,934,000 | 276,065,000 | 280,437,000 | 305,336,000 |
| Noninterest-bearing deposits | 72,061,000 | 78,002,000 | 82,472,000 | 81,709,000 |
| Equity capital | 36,117,000 | 36,782,000 | 38,019,000 | 39,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,958,000 | 12,274,000 | 18,952,000 | 25,913,000 |
| Interest expense | 1,670,000 | 3,576,000 | 5,712,000 | 8,324,000 |
| Net interest income | 4,288,000 | 8,698,000 | 13,240,000 | 17,589,000 |
| Noninterest income | 628,000 | 1,262,000 | 1,922,000 | 2,558,000 |
| Noninterest expense | 3,692,000 | 7,066,000 | 10,634,000 | 13,755,000 |
| Provision for loan losses | 158,000 | 315,000 | 472,000 | 630,000 |
| Pretax income | 1,066,000 | 2,521,000 | 3,998,000 | 5,680,000 |
| Income tax | 335,000 | 804,000 | 1,302,000 | 1,594,000 |
| Net income | 731,000 | 1,717,000 | 2,696,000 | 4,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,266,000 | 36,985,000 | 38,006,000 | 39,462,000 |
| Total capital | 39,321,000 | 40,093,000 | 41,215,000 | 42,636,000 |
| Risk-weighted assets | 345,437,000 | 352,194,000 | 372,386,000 | 387,227,000 |