Call reports 2009
RHINEBECK BANK — 2009
What RHINEBECK BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 477,948,000 | 484,277,000 | 500,629,000 | 489,234,000 |
| Total loans | 384,002,000 | 391,409,000 | 397,427,000 | 394,145,000 |
| Allowance for loan losses | 3,952,000 | 3,348,000 | 4,427,000 | 4,851,000 |
| Securities available for sale | 40,125,000 | 38,077,000 | 40,929,000 | 42,982,000 |
| Securities held to maturity | 7,797,000 | 6,332,000 | 5,840,000 | 5,504,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 397,531,000 | 402,502,000 | 417,972,000 | 406,465,000 |
| Interest-bearing deposits | 323,801,000 | 325,853,000 | 331,993,000 | 325,718,000 |
| Noninterest-bearing deposits | 73,730,000 | 76,649,000 | 85,979,000 | 80,747,000 |
| Equity capital | 45,665,000 | 46,757,000 | 47,674,000 | 47,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,704,000 | 13,557,000 | 20,496,000 | 27,290,000 |
| Interest expense | 1,563,000 | 3,044,000 | 4,408,000 | 5,670,000 |
| Net interest income | 5,141,000 | 10,513,000 | 16,088,000 | 21,620,000 |
| Noninterest income | 801,000 | 1,696,000 | 2,668,000 | 3,445,000 |
| Noninterest expense | 4,300,000 | 8,576,000 | 13,037,000 | 18,073,000 |
| Provision for loan losses | 300,000 | 700,000 | 2,000,000 | 2,814,000 |
| Pretax income | 1,342,000 | 2,933,000 | 3,719,000 | 4,178,000 |
| Income tax | 381,000 | 884,000 | 1,069,000 | 1,091,000 |
| Net income | 961,000 | 2,049,000 | 2,650,000 | 3,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,134,000 | 48,157,000 | 48,729,000 | 49,132,000 |
| Total capital | 51,086,000 | 51,505,000 | 53,156,000 | 53,983,000 |
| Risk-weighted assets | 401,739,000 | 409,329,000 | 415,667,000 | 416,673,000 |