Call reports 2010
RHINEBECK BANK — 2010
What RHINEBECK BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 500,185,000 | 516,587,000 | 520,066,000 | 526,252,000 |
| Total loans | 395,833,000 | 388,707,000 | 386,702,000 | 390,319,000 |
| Allowance for loan losses | 5,209,000 | 5,306,000 | 5,523,000 | 5,904,000 |
| Securities available for sale | 40,383,000 | 59,943,000 | 71,840,000 | 68,249,000 |
| Securities held to maturity | 5,084,000 | 4,431,000 | 3,786,000 | 4,045,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 416,870,000 | 432,738,000 | 435,735,000 | 439,657,000 |
| Interest-bearing deposits | 338,735,000 | 351,993,000 | 349,393,000 | 355,880,000 |
| Noninterest-bearing deposits | 78,135,000 | 80,745,000 | 86,342,000 | 83,777,000 |
| Equity capital | 47,955,000 | 48,736,000 | 49,124,000 | 48,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,728,000 | 13,526,000 | 20,238,000 | 26,993,000 |
| Interest expense | 1,133,000 | 2,249,000 | 3,359,000 | 4,402,000 |
| Net interest income | 5,595,000 | 11,277,000 | 16,879,000 | 22,591,000 |
| Noninterest income | 850,000 | 1,753,000 | 2,577,000 | 3,493,000 |
| Noninterest expense | 4,493,000 | 9,049,000 | 13,774,000 | 18,530,000 |
| Provision for loan losses | 631,000 | 1,231,000 | 1,800,000 | 2,400,000 |
| Pretax income | 1,321,000 | 2,703,000 | 3,826,000 | 5,063,000 |
| Income tax | 487,000 | 824,000 | 1,144,000 | 1,473,000 |
| Net income | 834,000 | 1,879,000 | 2,682,000 | 3,590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,335,000 | 49,923,000 | 50,226,000 | 50,634,000 |
| Total capital | 54,544,000 | 55,101,000 | 55,384,000 | 55,871,000 |
| Risk-weighted assets | 418,124,000 | 414,115,000 | 412,245,000 | 418,332,000 |