Call reports 2007
RIO BANK — 2007
What RIO BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 134,698,000 | 139,124,000 | 142,958,000 | 141,275,000 |
| Total loans | 97,069,000 | 99,729,000 | 102,559,000 | 102,283,000 |
| Allowance for loan losses | 939,000 | 971,000 | 1,003,000 | 1,002,000 |
| Securities available for sale | 21,620,000 | 22,508,000 | 22,700,000 | 21,884,000 |
| Securities held to maturity | 816,000 | 814,000 | 811,000 | 809,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,019,000 | 108,777,000 | 110,948,000 | 108,434,000 |
| Interest-bearing deposits | 84,438,000 | 90,621,000 | 94,014,000 | 91,652,000 |
| Noninterest-bearing deposits | 19,581,000 | 18,156,000 | 16,934,000 | 16,782,000 |
| Equity capital | 9,457,000 | 9,689,000 | 10,857,000 | 11,117,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,557,000 | 5,268,000 | 8,074,000 | 10,835,000 |
| Interest expense | 1,172,000 | 2,441,000 | 3,782,000 | 5,107,000 |
| Net interest income | 1,385,000 | 2,827,000 | 4,292,000 | 5,728,000 |
| Noninterest income | 346,000 | 712,000 | 2,122,000 | 2,461,000 |
| Noninterest expense | 1,283,000 | 2,746,000 | 4,228,000 | 5,603,000 |
| Provision for loan losses | 125,000 | 125,000 | 155,000 | 155,000 |
| Pretax income | 323,000 | 668,000 | 2,031,000 | 2,431,000 |
| Income tax | 108,000 | 226,000 | 598,000 | 823,000 |
| Net income | 215,000 | 442,000 | 1,433,000 | 1,608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,628,000 | 9,955,000 | 10,950,000 | 11,128,000 |
| Total capital | 10,567,000 | 10,926,000 | 11,953,000 | 12,130,000 |
| Risk-weighted assets | 103,701,000 | 105,861,000 | 109,226,000 | 107,639,000 |