Call reports 2003
RIO BANK — 2003
What RIO BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 58,789,000 | 61,797,000 | 63,917,000 | 68,313,000 |
| Total loans | 38,493,000 | 42,232,000 | 46,235,000 | 46,838,000 |
| Allowance for loan losses | 420,000 | 474,000 | 479,000 | 538,000 |
| Securities available for sale | 8,501,000 | 7,951,000 | 8,439,000 | 11,230,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,229,000 | 56,089,000 | 58,213,000 | 62,638,000 |
| Interest-bearing deposits | 37,746,000 | 41,093,000 | 43,072,000 | 47,002,000 |
| Noninterest-bearing deposits | 15,483,000 | 14,996,000 | 15,141,000 | 15,636,000 |
| Equity capital | 4,328,000 | 4,454,000 | 4,420,000 | 4,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 927,000 | 1,943,000 | 3,008,000 | 3,950,000 |
| Interest expense | 241,000 | 495,000 | 751,000 | 1,021,000 |
| Net interest income | 686,000 | 1,448,000 | 2,257,000 | 2,929,000 |
| Noninterest income | 228,000 | 461,000 | 681,000 | 1,094,000 |
| Noninterest expense | 818,000 | 1,673,000 | 2,563,000 | 3,508,000 |
| Provision for loan losses | 5,000 | 25,000 | 115,000 | 219,000 |
| Pretax income | 91,000 | 211,000 | 260,000 | 296,000 |
| Income tax | -61,000 | -61,000 | -61,000 | -61,000 |
| Net income | 152,000 | 272,000 | 321,000 | 357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,235,000 | 4,355,000 | 4,405,000 | 4,440,000 |
| Total capital | 4,655,000 | 4,829,000 | 4,884,000 | 4,978,000 |
| Risk-weighted assets | 42,442,000 | 45,193,000 | 48,576,000 | 49,446,000 |