Call reports 2005
RIO BANK — 2005
What RIO BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 86,533,000 | 90,226,000 | 91,120,000 | 100,354,000 |
| Total loans | 62,921,000 | 63,053,000 | 64,175,000 | 69,606,000 |
| Allowance for loan losses | 624,000 | 636,000 | 639,000 | 661,000 |
| Securities available for sale | 12,707,000 | 14,929,000 | 15,282,000 | 16,021,000 |
| Securities held to maturity | 0 | 0 | 308,000 | 544,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,546,000 | 75,420,000 | 75,468,000 | 78,952,000 |
| Interest-bearing deposits | 57,535,000 | 57,681,000 | 57,905,000 | 57,703,000 |
| Noninterest-bearing deposits | 17,011,000 | 17,739,000 | 17,563,000 | 21,249,000 |
| Equity capital | 6,277,000 | 7,380,000 | 7,496,000 | 7,415,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,375,000 | 2,838,000 | 4,343,000 | 5,990,000 |
| Interest expense | 418,000 | 931,000 | 1,469,000 | 2,081,000 |
| Net interest income | 957,000 | 1,907,000 | 2,874,000 | 3,909,000 |
| Noninterest income | 340,000 | 650,000 | 1,071,000 | 1,384,000 |
| Noninterest expense | 1,015,000 | 2,017,000 | 3,128,000 | 4,269,000 |
| Provision for loan losses | 25,000 | 35,000 | 50,000 | 227,000 |
| Pretax income | 257,000 | 505,000 | 767,000 | 797,000 |
| Income tax | 73,000 | 162,000 | 255,000 | 278,000 |
| Net income | 184,000 | 343,000 | 512,000 | 519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,428,000 | 7,487,000 | 7,656,000 | 7,663,000 |
| Total capital | 7,052,000 | 8,123,000 | 8,295,000 | 8,324,000 |
| Risk-weighted assets | 67,229,000 | 69,791,000 | 71,460,000 | 78,010,000 |