Call reports 2010
RIO BANK — 2010
What RIO BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 206,483,000 | 203,607,000 | 207,000,000 | 204,255,000 |
| Total loans | 131,033,000 | 130,184,000 | 130,005,000 | 129,703,000 |
| Allowance for loan losses | 1,525,000 | 1,503,000 | 1,783,000 | 1,672,000 |
| Securities available for sale | 38,822,000 | 41,424,000 | 39,180,000 | 40,014,000 |
| Securities held to maturity | 505,000 | 504,000 | 504,000 | 353,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,654,000 | 162,672,000 | 165,786,000 | 165,684,000 |
| Interest-bearing deposits | 138,801,000 | 132,888,000 | 135,118,000 | 133,249,000 |
| Noninterest-bearing deposits | 28,853,000 | 29,784,000 | 30,668,000 | 32,435,000 |
| Equity capital | 16,908,000 | 18,929,000 | 19,173,000 | 19,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,968,000 | 6,042,000 | 8,958,000 | 11,858,000 |
| Interest expense | 889,000 | 1,717,000 | 2,496,000 | 3,215,000 |
| Net interest income | 2,079,000 | 4,325,000 | 6,462,000 | 8,643,000 |
| Noninterest income | 379,000 | 728,000 | 1,117,000 | 1,595,000 |
| Noninterest expense | 1,880,000 | 3,826,000 | 5,717,000 | 7,789,000 |
| Provision for loan losses | 236,000 | 296,000 | 606,000 | 741,000 |
| Pretax income | 342,000 | 931,000 | 1,380,000 | 1,832,000 |
| Income tax | 118,000 | 319,000 | 475,000 | 619,000 |
| Net income | 224,000 | 612,000 | 905,000 | 1,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,224,000 | 18,119,000 | 18,418,000 | 18,742,000 |
| Total capital | 17,749,000 | 19,622,000 | 20,192,000 | 20,414,000 |
| Risk-weighted assets | 144,525,000 | 141,844,000 | 141,887,000 | 145,063,000 |