Call reports 2011
RIO BANK — 2011
What RIO BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 208,165,000 | 205,993,000 | 205,758,000 | 206,856,000 |
| Total loans | 127,442,000 | 123,678,000 | 124,236,000 | 123,123,000 |
| Allowance for loan losses | 1,737,000 | 1,769,000 | 1,805,000 | 1,825,000 |
| Securities available for sale | 38,870,000 | 41,170,000 | 42,846,000 | 42,328,000 |
| Securities held to maturity | 352,000 | 351,000 | 126,000 | 126,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,961,000 | 170,423,000 | 169,185,000 | 173,775,000 |
| Interest-bearing deposits | 133,860,000 | 135,652,000 | 135,818,000 | 137,204,000 |
| Noninterest-bearing deposits | 35,101,000 | 34,771,000 | 33,367,000 | 36,571,000 |
| Equity capital | 19,436,000 | 19,851,000 | 20,570,000 | 20,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,873,000 | 5,849,000 | 8,728,000 | 11,579,000 |
| Interest expense | 675,000 | 1,298,000 | 1,896,000 | 2,455,000 |
| Net interest income | 2,198,000 | 4,551,000 | 6,832,000 | 9,124,000 |
| Noninterest income | 420,000 | 506,000 | 848,000 | 1,248,000 |
| Noninterest expense | 2,035,000 | 4,115,000 | 6,189,000 | 8,195,000 |
| Provision for loan losses | 90,000 | 230,000 | 320,000 | 450,000 |
| Pretax income | 493,000 | 712,000 | 1,174,000 | 1,747,000 |
| Income tax | 165,000 | 234,000 | 374,000 | 556,000 |
| Net income | 328,000 | 478,000 | 800,000 | 1,191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,085,000 | 19,251,000 | 19,589,000 | 19,996,000 |
| Total capital | 20,822,000 | 21,020,000 | 21,394,000 | 21,821,000 |
| Risk-weighted assets | 143,438,000 | 145,749,000 | 147,039,000 | 145,984,000 |