Call reports 2002
RIO BANK — 2002
What RIO BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 43,601,000 | 48,070,000 | 50,458,000 | 52,643,000 |
| Total loans | 28,967,000 | 31,214,000 | 33,806,000 | 37,686,000 |
| Allowance for loan losses | 425,000 | 398,000 | 422,000 | 437,000 |
| Securities available for sale | 6,417,000 | 7,939,000 | 8,172,000 | 8,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,124,000 | 43,026,000 | 45,214,000 | 46,726,000 |
| Interest-bearing deposits | 27,820,000 | 32,316,000 | 34,729,000 | 34,572,000 |
| Noninterest-bearing deposits | 11,304,000 | 10,710,000 | 10,485,000 | 12,154,000 |
| Equity capital | 3,837,000 | 3,860,000 | 4,024,000 | 4,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 711,000 | 1,508,000 | 2,383,000 | 3,314,000 |
| Interest expense | 215,000 | 439,000 | 679,000 | 926,000 |
| Net interest income | 496,000 | 1,069,000 | 1,704,000 | 2,388,000 |
| Noninterest income | 142,000 | 341,000 | 585,000 | 832,000 |
| Noninterest expense | 686,000 | 1,447,000 | 2,200,000 | 2,956,000 |
| Provision for loan losses | 18,000 | 59,000 | 89,000 | 156,000 |
| Pretax income | -66,000 | -96,000 | 15,000 | 143,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -66,000 | -96,000 | 15,000 | 143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,860,000 | 3,830,000 | 3,942,000 | 4,069,000 |
| Total capital | 4,251,000 | 4,228,000 | 4,364,000 | 4,506,000 |
| Risk-weighted assets | 31,255,000 | 34,944,000 | 37,307,000 | 41,147,000 |