Call reports 2012
RHINEBECK BANK — 2012
What RHINEBECK BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 578,002,000 | 590,477,000 | 606,194,000 | 606,121,000 |
| Total loans | 400,183,000 | 415,390,000 | 420,689,000 | 430,422,000 |
| Allowance for loan losses | 3,997,000 | 4,335,000 | 4,858,000 | 4,712,000 |
| Securities available for sale | 108,194,000 | 102,289,000 | 109,443,000 | 94,844,000 |
| Securities held to maturity | 2,226,000 | 1,784,000 | 1,772,000 | 1,896,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 477,019,000 | 498,964,000 | 514,368,000 | 517,351,000 |
| Interest-bearing deposits | 380,638,000 | 395,063,000 | 398,541,000 | 408,605,000 |
| Noninterest-bearing deposits | 96,381,000 | 103,901,000 | 115,827,000 | 108,746,000 |
| Equity capital | 50,912,000 | 51,361,000 | 52,080,000 | 52,843,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,370,000 | 12,893,000 | 19,349,000 | 25,964,000 |
| Interest expense | 921,000 | 1,819,000 | 2,719,000 | 3,546,000 |
| Net interest income | 5,449,000 | 11,074,000 | 16,630,000 | 22,418,000 |
| Noninterest income | 1,511,000 | 3,478,000 | 5,165,000 | 6,963,000 |
| Noninterest expense | 5,385,000 | 11,687,000 | 17,328,000 | 23,998,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,800,000 | 3,000,000 |
| Pretax income | 975,000 | 1,689,000 | 2,691,000 | 2,714,000 |
| Income tax | 71,000 | 236,000 | 537,000 | 583,000 |
| Net income | 904,000 | 1,453,000 | 2,154,000 | 2,131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,712,000 | 49,402,000 | 50,025,000 | 49,803,000 |
| Total capital | 52,709,000 | 53,737,000 | 54,883,000 | 54,515,000 |
| Risk-weighted assets | 442,162,000 | 443,453,000 | 451,028,000 | 465,007,000 |