Call reports 2012
RIO BANK — 2012
What RIO BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 199,403,000 | 204,758,000 | 210,105,000 | 212,767,000 |
| Total loans | 120,053,000 | 121,922,000 | 137,899,000 | 141,864,000 |
| Allowance for loan losses | 1,831,000 | 1,865,000 | 2,206,000 | 2,250,000 |
| Securities available for sale | 40,884,000 | 44,158,000 | 37,496,000 | 38,028,000 |
| Securities held to maturity | 126,000 | 125,000 | 125,000 | 125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,551,000 | 171,361,000 | 176,259,000 | 182,737,000 |
| Interest-bearing deposits | 130,741,000 | 130,963,000 | 132,620,000 | 137,947,000 |
| Noninterest-bearing deposits | 35,810,000 | 40,398,000 | 43,639,000 | 44,790,000 |
| Equity capital | 20,558,000 | 20,764,000 | 20,998,000 | 20,991,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,776,000 | 5,529,000 | 8,366,000 | 11,289,000 |
| Interest expense | 465,000 | 908,000 | 1,344,000 | 1,774,000 |
| Net interest income | 2,311,000 | 4,621,000 | 7,022,000 | 9,515,000 |
| Noninterest income | -262,000 | 195,000 | 792,000 | 1,331,000 |
| Noninterest expense | 2,152,000 | 4,224,000 | 6,413,000 | 8,660,000 |
| Provision for loan losses | 45,000 | 90,000 | 470,000 | 515,000 |
| Pretax income | -148,000 | 566,000 | 1,131,000 | 1,871,000 |
| Income tax | -62,000 | 180,000 | 354,000 | 589,000 |
| Net income | -86,000 | 386,000 | 777,000 | 1,282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,799,000 | 19,947,000 | 20,129,000 | 20,240,000 |
| Total capital | 21,538,000 | 21,730,000 | 22,115,000 | 22,244,000 |
| Risk-weighted assets | 139,027,000 | 142,553,000 | 158,671,000 | 160,082,000 |