Call reports 2008
RIO BANK — 2008
What RIO BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 145,300,000 | 145,206,000 | 154,705,000 | 176,971,000 |
| Total loans | 104,364,000 | 103,650,000 | 107,396,000 | 110,974,000 |
| Allowance for loan losses | 992,000 | 999,000 | 1,007,000 | 1,021,000 |
| Securities available for sale | 22,037,000 | 21,147,000 | 26,984,000 | 30,467,000 |
| Securities held to maturity | 808,000 | 512,000 | 511,000 | 510,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,801,000 | 108,454,000 | 116,514,000 | 135,732,000 |
| Interest-bearing deposits | 93,222,000 | 90,702,000 | 94,334,000 | 116,664,000 |
| Noninterest-bearing deposits | 19,579,000 | 17,752,000 | 22,180,000 | 19,068,000 |
| Equity capital | 11,370,000 | 11,462,000 | 12,710,000 | 15,681,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,546,000 | 4,967,000 | 7,507,000 | 10,133,000 |
| Interest expense | 1,287,000 | 2,497,000 | 3,703,000 | 4,878,000 |
| Net interest income | 1,259,000 | 2,470,000 | 3,804,000 | 5,255,000 |
| Noninterest income | 397,000 | 891,000 | 1,221,000 | 1,555,000 |
| Noninterest expense | 1,487,000 | 3,077,000 | 4,688,000 | 6,328,000 |
| Provision for loan losses | 15,000 | 25,000 | 90,000 | 101,000 |
| Pretax income | 154,000 | 259,000 | 247,000 | 381,000 |
| Income tax | 53,000 | 89,000 | 68,000 | 113,000 |
| Net income | 101,000 | 170,000 | 179,000 | 268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,233,000 | 11,656,000 | 12,670,000 | 15,365,000 |
| Total capital | 12,225,000 | 12,655,000 | 13,677,000 | 16,386,000 |
| Risk-weighted assets | 109,140,000 | 107,347,000 | 112,380,000 | 120,733,000 |