Call reports 2011
RHINEBECK BANK — 2011
What RHINEBECK BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 530,926,000 | 549,935,000 | 554,797,000 | 567,066,000 |
| Total loans | 386,266,000 | 383,618,000 | 380,697,000 | 387,659,000 |
| Allowance for loan losses | 6,425,000 | 6,796,000 | 3,903,000 | 4,247,000 |
| Securities available for sale | 80,852,000 | 90,431,000 | 103,685,000 | 114,029,000 |
| Securities held to maturity | 4,786,000 | 4,183,000 | 4,095,000 | 4,340,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 444,386,000 | 463,000,000 | 466,410,000 | 476,796,000 |
| Interest-bearing deposits | 364,761,000 | 371,012,000 | 363,400,000 | 382,194,000 |
| Noninterest-bearing deposits | 79,625,000 | 91,988,000 | 103,010,000 | 94,602,000 |
| Equity capital | 49,314,000 | 50,553,000 | 51,876,000 | 50,077,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 6,553,000 | 13,122,000 | 19,622,000 | 26,147,000 |
| Interest expense | 1,015,000 | 2,004,000 | 2,998,000 | 3,992,000 |
| Net interest income | 5,538,000 | 11,118,000 | 16,624,000 | 22,155,000 |
| Noninterest income | 881,000 | 1,743,000 | 2,615,000 | 3,651,000 |
| Noninterest expense | 4,536,000 | 9,085,000 | 14,211,000 | 19,109,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,800,000 | 2,400,000 |
| Pretax income | 1,282,000 | 2,559,000 | 3,122,000 | 4,160,000 |
| Income tax | 371,000 | 781,000 | 957,000 | 1,232,000 |
| Net income | 911,000 | 1,778,000 | 2,165,000 | 2,928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,504,000 | 52,332,000 | 52,679,000 | 53,403,000 |
| Total capital | 56,707,000 | 57,521,000 | 56,582,000 | 57,650,000 |
| Risk-weighted assets | 415,043,000 | 413,103,000 | 414,532,000 | 424,043,000 |