Call reports 2016
RHINEBECK BANK — 2016
What RHINEBECK BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 675,037,000 | 706,292,000 | 721,600,000 | 722,402,000 |
| Total loans | 481,789,000 | 484,559,000 | 499,185,000 | 518,471,000 |
| Allowance for loan losses | 5,782,000 | 6,014,000 | 5,997,000 | 5,876,000 |
| Securities available for sale | 123,687,000 | 125,321,000 | 158,076,000 | 140,267,000 |
| Securities held to maturity | 2,744,000 | 1,675,000 | 1,665,000 | 1,635,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 611,655,000 | 641,912,000 | 657,048,000 | 649,101,000 |
| Interest-bearing deposits | 467,308,000 | 487,675,000 | 487,209,000 | 496,125,000 |
| Noninterest-bearing deposits | 144,347,000 | 154,237,000 | 169,839,000 | 152,976,000 |
| Equity capital | 55,823,000 | 56,881,000 | 56,964,000 | 55,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,367,000 | 12,573,000 | 18,941,000 | 25,561,000 |
| Interest expense | 692,000 | 1,403,000 | 2,157,000 | 2,910,000 |
| Net interest income | 5,675,000 | 11,170,000 | 16,784,000 | 22,651,000 |
| Noninterest income | 1,659,000 | 3,280,000 | 5,030,000 | 6,749,000 |
| Noninterest expense | 5,690,000 | 11,632,000 | 17,846,000 | 24,056,000 |
| Provision for loan losses | 375,000 | 750,000 | 975,000 | 1,200,000 |
| Pretax income | 1,269,000 | 2,067,000 | 2,992,000 | 4,145,000 |
| Income tax | 373,000 | 564,000 | 870,000 | 1,320,000 |
| Net income | 896,000 | 1,503,000 | 2,122,000 | 2,825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,169,000 | 55,795,000 | 56,432,000 | 57,416,000 |
| Total capital | 60,951,000 | 61,809,000 | 62,429,000 | 63,292,000 |
| Risk-weighted assets | 519,740,000 | 519,175,000 | 536,483,000 | 553,774,000 |