Call reports 2008
RHINEBECK BANK — 2008
What RHINEBECK BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 466,720,000 | 474,267,000 | 468,138,000 | 472,445,000 |
| Total loans | 372,493,000 | 372,947,000 | 372,751,000 | 377,259,000 |
| Allowance for loan losses | 3,472,000 | 3,498,000 | 3,549,000 | 3,828,000 |
| Securities available for sale | 40,832,000 | 41,505,000 | 40,841,000 | 41,601,000 |
| Securities held to maturity | 10,933,000 | 9,533,000 | 8,628,000 | 8,300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 392,965,000 | 399,599,000 | 389,461,000 | 389,180,000 |
| Interest-bearing deposits | 314,845,000 | 315,378,000 | 305,310,000 | 311,285,000 |
| Noninterest-bearing deposits | 78,120,000 | 84,221,000 | 84,151,000 | 77,895,000 |
| Equity capital | 42,889,000 | 43,804,000 | 44,724,000 | 44,775,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,050,000 | 14,315,000 | 21,227,000 | 28,044,000 |
| Interest expense | 2,517,000 | 4,371,000 | 6,087,000 | 7,771,000 |
| Net interest income | 4,533,000 | 9,944,000 | 15,140,000 | 20,273,000 |
| Noninterest income | 733,000 | 1,494,000 | 2,270,000 | 2,982,000 |
| Noninterest expense | 3,853,000 | 7,594,000 | 11,656,000 | 15,954,000 |
| Provision for loan losses | 195,000 | 390,000 | 610,000 | 1,150,000 |
| Pretax income | 1,218,000 | 3,454,000 | 5,144,000 | 6,185,000 |
| Income tax | 359,000 | 1,049,000 | 1,552,000 | 1,576,000 |
| Net income | 859,000 | 2,405,000 | 3,592,000 | 4,609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,683,000 | 44,042,000 | 45,169,000 | 46,210,000 |
| Total capital | 46,155,000 | 47,540,000 | 48,718,000 | 50,038,000 |
| Risk-weighted assets | 384,117,000 | 384,136,000 | 386,441,000 | 394,317,000 |