Call reports 2015
RHINEBECK BANK — 2015
What RHINEBECK BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 651,128,000 | 671,805,000 | 675,746,000 | 667,996,000 |
| Total loans | 486,681,000 | 485,165,000 | 481,375,000 | 475,792,000 |
| Allowance for loan losses | 5,207,000 | 5,626,000 | 5,814,000 | 5,410,000 |
| Securities available for sale | 86,205,000 | 108,934,000 | 120,775,000 | 112,650,000 |
| Securities held to maturity | 246,000 | 2,740,000 | 2,812,000 | 2,780,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 589,340,000 | 610,029,000 | 612,705,000 | 606,671,000 |
| Interest-bearing deposits | 469,115,000 | 470,344,000 | 462,972,000 | 461,774,000 |
| Noninterest-bearing deposits | 120,225,000 | 139,685,000 | 149,733,000 | 144,897,000 |
| Equity capital | 53,727,000 | 53,788,000 | 54,811,000 | 53,639,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,972,000 | 11,888,000 | 18,000,000 | 24,159,000 |
| Interest expense | 760,000 | 1,498,000 | 2,244,000 | 2,957,000 |
| Net interest income | 5,212,000 | 10,390,000 | 15,756,000 | 21,202,000 |
| Noninterest income | 1,925,000 | 4,354,000 | 6,585,000 | 8,078,000 |
| Noninterest expense | 6,103,000 | 12,690,000 | 19,092,000 | 27,171,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,200,000 | 150,000 |
| Pretax income | 584,000 | 1,154,000 | 2,045,000 | 1,966,000 |
| Income tax | 233,000 | 394,000 | 652,000 | 992,000 |
| Net income | 351,000 | 760,000 | 1,393,000 | 974,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,863,000 | 53,304,000 | 53,970,000 | 54,436,000 |
| Total capital | 58,070,000 | 58,930,000 | 59,784,000 | 59,846,000 |
| Risk-weighted assets | 523,658,000 | 526,124,000 | 520,202,000 | 511,952,000 |