Call reports 2007
RHINEBECK BANK — 2007
What RHINEBECK BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 457,872,000 | 467,687,000 | 472,636,000 | 465,141,000 |
| Total loans | 371,721,000 | 377,792,000 | 376,539,000 | 374,734,000 |
| Allowance for loan losses | 3,205,000 | 3,354,000 | 3,319,000 | 3,403,000 |
| Securities available for sale | 27,255,000 | 32,253,000 | 39,913,000 | 38,586,000 |
| Securities held to maturity | 14,080,000 | 13,190,000 | 12,369,000 | 11,684,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 397,643,000 | 406,988,000 | 410,482,000 | 392,336,000 |
| Interest-bearing deposits | 319,040,000 | 326,512,000 | 325,496,000 | 309,669,000 |
| Noninterest-bearing deposits | 78,603,000 | 80,476,000 | 84,986,000 | 82,667,000 |
| Equity capital | 40,131,000 | 40,848,000 | 41,972,000 | 42,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,000,000 | 14,246,000 | 21,648,000 | 29,100,000 |
| Interest expense | 2,791,000 | 5,736,000 | 8,717,000 | 11,542,000 |
| Net interest income | 4,209,000 | 8,510,000 | 12,931,000 | 17,558,000 |
| Noninterest income | 601,000 | 1,197,000 | 1,849,000 | 2,519,000 |
| Noninterest expense | 3,680,000 | 7,066,000 | 10,702,000 | 14,668,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 720,000 |
| Pretax income | 950,000 | 2,281,000 | 3,538,000 | 4,582,000 |
| Income tax | 270,000 | 682,000 | 1,020,000 | 1,394,000 |
| Net income | 680,000 | 1,599,000 | 2,518,000 | 3,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,133,000 | 41,063,000 | 41,854,000 | 42,590,000 |
| Total capital | 43,338,000 | 44,417,000 | 45,173,000 | 45,993,000 |
| Risk-weighted assets | 383,789,000 | 391,090,000 | 391,233,000 | 384,312,000 |