Call reports 2025
RHINEBECK BANK — 2025
What RHINEBECK BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,255,694,000 | 1,274,046,000 | 1,315,931,000 | 1,301,581,000 |
| Total loans | 984,908,000 | 969,034,000 | 985,830,000 | 961,738,000 |
| Allowance for loan losses | 8,406,000 | 8,231,000 | 8,196,000 | 8,353,000 |
| Securities available for sale | 144,871,000 | 141,340,000 | 148,920,000 | 162,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,050,479,000 | 1,092,031,000 | 1,128,353,000 | 1,115,207,000 |
| Interest-bearing deposits | 812,244,000 | 852,000,000 | 874,833,000 | 887,367,000 |
| Noninterest-bearing deposits | 238,235,000 | 240,031,000 | 253,520,000 | 227,840,000 |
| Equity capital | 122,570,000 | 125,977,000 | 130,474,000 | 133,851,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 16,634,000 | 33,381,000 | 51,132,000 | 68,840,000 |
| Interest expense | 5,562,000 | 10,786,000 | 16,470,000 | 22,312,000 |
| Net interest income | 11,072,000 | 22,595,000 | 34,662,000 | 46,528,000 |
| Noninterest income | 1,744,000 | 3,343,000 | 5,277,000 | 6,957,000 |
| Noninterest expense | 9,217,000 | 18,589,000 | 28,027,000 | 37,821,000 |
| Provision for loan losses | 377,000 | 293,000 | 1,221,000 | 1,750,000 |
| Pretax income | 3,246,000 | 7,097,000 | 10,756,000 | 14,005,000 |
| Income tax | 639,000 | 1,401,000 | 2,049,000 | 2,640,000 |
| Net income | 2,607,000 | 5,696,000 | 8,707,000 | 11,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 129,898,000 | 133,697,000 | 137,120,000 | 139,166,000 |
| Total capital | 138,523,000 | 142,130,000 | 145,494,000 | 147,671,000 |
| Risk-weighted assets | 1,073,252,000 | 1,029,759,000 | 1,048,599,000 | 1,025,487,000 |