Call reports 2020
RHINEBECK BANK — 2020
What RHINEBECK BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,007,053,000 | 1,128,137,000 | 1,112,403,000 | 1,128,660,000 |
| Total loans | 816,981,000 | 895,892,000 | 901,058,000 | 885,446,000 |
| Allowance for loan losses | 6,620,000 | 8,572,000 | 10,563,000 | 11,633,000 |
| Securities available for sale | 115,134,000 | 105,138,000 | 106,367,000 | 102,933,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 806,432,000 | 933,337,000 | 934,259,000 | 951,715,000 |
| Interest-bearing deposits | 629,961,000 | 686,598,000 | 681,447,000 | 706,085,000 |
| Noninterest-bearing deposits | 176,471,000 | 246,739,000 | 252,812,000 | 245,630,000 |
| Equity capital | 105,603,000 | 105,612,000 | 107,360,000 | 108,535,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 10,738,000 | 21,950,000 | 32,822,000 | 44,390,000 |
| Interest expense | 2,433,000 | 4,676,000 | 6,545,000 | 8,065,000 |
| Net interest income | 8,305,000 | 17,274,000 | 26,277,000 | 36,325,000 |
| Noninterest income | 1,548,000 | 3,256,000 | 5,311,000 | 8,175,000 |
| Noninterest expense | 7,046,000 | 13,536,000 | 20,663,000 | 28,988,000 |
| Provision for loan losses | 1,200,000 | 3,455,000 | 5,705,000 | 7,137,000 |
| Pretax income | 1,578,000 | 3,510,000 | 5,191,000 | 8,345,000 |
| Income tax | 307,000 | 666,000 | 958,000 | 1,559,000 |
| Net income | 1,271,000 | 2,844,000 | 4,233,000 | 6,786,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 105,181,000 | 106,802,000 | 108,300,000 | 110,717,000 |
| Total capital | 111,801,000 | 115,374,000 | 118,863,000 | 121,604,000 |
| Risk-weighted assets | 873,651,000 | 868,141,000 | 874,196,000 | 870,180,000 |