Call reports 2006
RIO BANK — 2006
What RIO BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 108,447,000 | 116,346,000 | 120,188,000 | 126,309,000 |
| Total loans | 74,294,000 | 80,404,000 | 84,970,000 | 89,226,000 |
| Allowance for loan losses | 723,000 | 753,000 | 826,000 | 879,000 |
| Securities available for sale | 17,133,000 | 17,992,000 | 19,861,000 | 20,513,000 |
| Securities held to maturity | 542,000 | 823,000 | 821,000 | 818,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,504,000 | 90,556,000 | 93,686,000 | 99,180,000 |
| Interest-bearing deposits | 67,486,000 | 69,440,000 | 76,005,000 | 79,969,000 |
| Noninterest-bearing deposits | 18,018,000 | 21,116,000 | 17,681,000 | 19,211,000 |
| Equity capital | 7,502,000 | 8,180,000 | 8,598,000 | 9,216,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,834,000 | 3,848,000 | 6,163,000 | 8,592,000 |
| Interest expense | 752,000 | 1,601,000 | 2,567,000 | 3,680,000 |
| Net interest income | 1,082,000 | 2,247,000 | 3,596,000 | 4,912,000 |
| Noninterest income | 352,000 | 715,000 | 1,082,000 | 1,458,000 |
| Noninterest expense | 1,191,000 | 2,611,000 | 3,847,000 | 5,101,000 |
| Provision for loan losses | 46,000 | 84,000 | 164,000 | 224,000 |
| Pretax income | 197,000 | 267,000 | 667,000 | 1,045,000 |
| Income tax | 61,000 | 91,000 | 218,000 | 345,000 |
| Net income | 136,000 | 176,000 | 449,000 | 700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,799,000 | 8,589,000 | 8,862,000 | 9,413,000 |
| Total capital | 8,522,000 | 9,342,000 | 9,688,000 | 10,292,000 |
| Risk-weighted assets | 82,188,000 | 89,849,000 | 90,681,000 | 96,179,000 |