Call reports 2004
RIO BANK — 2004
What RIO BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 69,886,000 | 70,668,000 | 72,939,000 | 81,680,000 |
| Total loans | 48,856,000 | 50,234,000 | 53,028,000 | 60,055,000 |
| Allowance for loan losses | 540,000 | 522,000 | 526,000 | 605,000 |
| Securities available for sale | 10,715,000 | 11,969,000 | 11,598,000 | 11,606,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,414,000 | 63,554,000 | 65,732,000 | 70,211,000 |
| Interest-bearing deposits | 46,996,000 | 49,704,000 | 51,274,000 | 54,171,000 |
| Noninterest-bearing deposits | 16,418,000 | 13,850,000 | 14,458,000 | 16,040,000 |
| Equity capital | 5,224,000 | 5,373,000 | 5,622,000 | 6,203,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,085,000 | 2,216,000 | 3,403,000 | 4,687,000 |
| Interest expense | 272,000 | 555,000 | 876,000 | 1,239,000 |
| Net interest income | 813,000 | 1,661,000 | 2,527,000 | 3,448,000 |
| Noninterest income | 317,000 | 618,000 | 854,000 | 1,740,000 |
| Noninterest expense | 994,000 | 1,973,000 | 2,927,000 | 3,927,000 |
| Provision for loan losses | 12,000 | 37,000 | 57,000 | 157,000 |
| Pretax income | 124,000 | 269,000 | 397,000 | 1,104,000 |
| Income tax | 0 | 0 | 0 | 45,000 |
| Net income | 124,000 | 269,000 | 397,000 | 1,059,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,159,000 | 5,504,000 | 5,632,000 | 6,244,000 |
| Total capital | 5,699,000 | 6,026,000 | 6,158,000 | 6,849,000 |
| Risk-weighted assets | 52,270,000 | 53,285,000 | 54,179,000 | 63,646,000 |