Call reports 2013
RHINEBECK BANK — 2013
What RHINEBECK BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 601,534,000 | 601,403,000 | 604,203,000 | 612,609,000 |
| Total loans | 437,647,000 | 449,540,000 | 464,188,000 | 474,774,000 |
| Allowance for loan losses | 4,946,000 | 4,843,000 | 4,861,000 | 5,842,000 |
| Securities available for sale | 86,467,000 | 76,032,000 | 67,401,000 | 63,589,000 |
| Securities held to maturity | 1,860,000 | 1,849,000 | 1,755,000 | 417,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 522,246,000 | 527,626,000 | 533,011,000 | 543,997,000 |
| Interest-bearing deposits | 418,864,000 | 418,992,000 | 412,872,000 | 425,249,000 |
| Noninterest-bearing deposits | 103,382,000 | 108,634,000 | 120,139,000 | 118,748,000 |
| Equity capital | 53,473,000 | 53,395,000 | 54,191,000 | 54,074,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,349,000 | 12,734,000 | 19,271,000 | 25,129,000 |
| Interest expense | 774,000 | 1,485,000 | 2,159,000 | 2,834,000 |
| Net interest income | 5,575,000 | 11,249,000 | 17,112,000 | 22,295,000 |
| Noninterest income | 2,361,000 | 4,978,000 | 7,655,000 | 9,808,000 |
| Noninterest expense | 6,276,000 | 13,097,000 | 19,943,000 | 27,159,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,800,000 | 3,000,000 |
| Pretax income | 944,000 | 1,775,000 | 2,849,000 | 1,769,000 |
| Income tax | 260,000 | 480,000 | 806,000 | 261,000 |
| Net income | 684,000 | 1,295,000 | 2,043,000 | 1,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,525,000 | 51,172,000 | 51,959,000 | 50,280,000 |
| Total capital | 55,471,000 | 56,015,000 | 56,820,000 | 56,122,000 |
| Risk-weighted assets | 471,287,000 | 483,918,000 | 498,684,000 | 512,042,000 |