Call reports 2009
RIO BANK — 2009
What RIO BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 186,526,000 | 196,481,000 | 201,663,000 | 196,263,000 |
| Total loans | 123,361,000 | 131,623,000 | 132,477,000 | 134,311,000 |
| Allowance for loan losses | 1,100,000 | 1,234,000 | 1,323,000 | 1,280,000 |
| Securities available for sale | 36,583,000 | 40,944,000 | 40,874,000 | 36,631,000 |
| Securities held to maturity | 509,000 | 508,000 | 507,000 | 506,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,741,000 | 155,967,000 | 160,136,000 | 157,999,000 |
| Interest-bearing deposits | 122,154,000 | 133,389,000 | 137,621,000 | 135,001,000 |
| Noninterest-bearing deposits | 22,587,000 | 22,578,000 | 22,515,000 | 22,998,000 |
| Equity capital | 15,945,000 | 15,539,000 | 16,278,000 | 16,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,695,000 | 5,710,000 | 8,802,000 | 11,815,000 |
| Interest expense | 1,148,000 | 2,325,000 | 3,473,000 | 4,519,000 |
| Net interest income | 1,547,000 | 3,385,000 | 5,329,000 | 7,296,000 |
| Noninterest income | 324,000 | 691,000 | 1,189,000 | 1,695,000 |
| Noninterest expense | 1,691,000 | 3,585,000 | 5,405,000 | 7,441,000 |
| Provision for loan losses | 80,000 | 430,000 | 575,000 | 635,000 |
| Pretax income | 100,000 | 61,000 | 538,000 | 915,000 |
| Income tax | 35,000 | 22,000 | 185,000 | 314,000 |
| Net income | 65,000 | 39,000 | 353,000 | 601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,435,000 | 15,416,000 | 15,737,000 | 15,993,000 |
| Total capital | 16,535,000 | 16,650,000 | 17,060,000 | 17,273,000 |
| Risk-weighted assets | 132,273,000 | 142,380,000 | 144,302,000 | 145,523,000 |