Call reports 2014
RHINEBECK BANK — 2014
What RHINEBECK BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 625,598,000 | 655,459,000 | 656,996,000 | 650,982,000 |
| Total loans | 486,161,000 | 497,383,000 | 499,123,000 | 491,373,000 |
| Allowance for loan losses | 5,366,000 | 5,544,000 | 5,646,000 | 5,785,000 |
| Securities available for sale | 61,286,000 | 72,093,000 | 80,822,000 | 74,932,000 |
| Securities held to maturity | 389,000 | 381,000 | 370,000 | 286,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 557,028,000 | 586,568,000 | 586,676,000 | 582,189,000 |
| Interest-bearing deposits | 443,509,000 | 468,456,000 | 459,460,000 | 463,191,000 |
| Noninterest-bearing deposits | 113,519,000 | 118,112,000 | 127,216,000 | 118,998,000 |
| Equity capital | 54,636,000 | 55,051,000 | 55,886,000 | 53,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,394,000 | 12,524,000 | 19,251,000 | 25,672,000 |
| Interest expense | 717,000 | 1,552,000 | 2,416,000 | 3,242,000 |
| Net interest income | 5,677,000 | 10,972,000 | 16,835,000 | 22,430,000 |
| Noninterest income | 1,941,000 | 4,591,000 | 7,234,000 | 8,039,000 |
| Noninterest expense | 6,610,000 | 13,589,000 | 20,343,000 | 26,841,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,800,000 | 2,400,000 |
| Pretax income | 408,000 | 776,000 | 1,928,000 | 1,233,000 |
| Income tax | 84,000 | 142,000 | 274,000 | 197,000 |
| Net income | 324,000 | 634,000 | 1,654,000 | 1,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,661,000 | 51,010,000 | 52,067,000 | 51,447,000 |
| Total capital | 56,026,000 | 56,554,000 | 57,713,000 | 57,232,000 |
| Risk-weighted assets | 523,833,000 | 535,659,000 | 536,750,000 | 525,151,000 |