Call reports 2023
RHINEBECK BANK — 2023
What RHINEBECK BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,350,932,000 | 1,336,953,000 | 1,315,266,000 | 1,313,032,000 |
| Total loans | 1,013,866,000 | 995,027,000 | 1,012,263,000 | 1,016,975,000 |
| Allowance for loan losses | 9,345,000 | 8,003,000 | 8,497,000 | 8,124,000 |
| Securities available for sale | 222,172,000 | 206,854,000 | 194,253,000 | 191,985,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,113,976,000 | 1,100,982,000 | 1,097,230,000 | 1,049,730,000 |
| Interest-bearing deposits | 843,627,000 | 844,260,000 | 819,468,000 | 799,410,000 |
| Noninterest-bearing deposits | 270,349,000 | 256,722,000 | 277,762,000 | 250,320,000 |
| Equity capital | 104,492,000 | 102,864,000 | 102,423,000 | 109,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 14,598,000 | 29,536,000 | 45,067,000 | 60,648,000 |
| Interest expense | 4,751,000 | 10,398,000 | 16,252,000 | 22,667,000 |
| Net interest income | 9,847,000 | 19,138,000 | 28,815,000 | 37,981,000 |
| Noninterest income | 1,335,000 | 2,651,000 | 4,256,000 | 5,244,000 |
| Noninterest expense | 8,934,000 | 17,924,000 | 26,446,000 | 34,927,000 |
| Provision for loan losses | 1,014,000 | 294,000 | 1,173,000 | 1,446,000 |
| Pretax income | 1,234,000 | 3,303,000 | 5,153,000 | 6,596,000 |
| Income tax | 224,000 | 615,000 | 958,000 | 1,219,000 |
| Net income | 1,010,000 | 2,688,000 | 4,195,000 | 5,377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 131,913,000 | 133,802,000 | 135,465,000 | 136,295,000 |
| Total capital | 141,258,000 | 142,073,000 | 144,261,000 | 144,675,000 |
| Risk-weighted assets | 1,161,654,000 | 1,150,675,000 | 1,156,787,000 | 1,139,422,000 |