Call reports 2013
RIO BANK — 2013
What RIO BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 218,358,000 | 221,115,000 | 225,623,000 | 232,057,000 |
| Total loans | 142,454,000 | 147,667,000 | 145,328,000 | 151,042,000 |
| Allowance for loan losses | 2,358,000 | 2,486,000 | 2,387,000 | 2,406,000 |
| Securities available for sale | 38,538,000 | 39,629,000 | 41,549,000 | 48,604,000 |
| Securities held to maturity | 125,000 | 125,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,956,000 | 197,113,000 | 201,758,000 | 208,448,000 |
| Interest-bearing deposits | 141,620,000 | 147,428,000 | 149,773,000 | 156,892,000 |
| Noninterest-bearing deposits | 46,336,000 | 49,685,000 | 51,985,000 | 51,556,000 |
| Equity capital | 20,987,000 | 20,452,000 | 20,315,000 | 20,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,927,000 | 5,961,000 | 8,917,000 | 11,901,000 |
| Interest expense | 383,000 | 744,000 | 1,084,000 | 1,423,000 |
| Net interest income | 2,544,000 | 5,217,000 | 7,833,000 | 10,478,000 |
| Noninterest income | 578,000 | 1,159,000 | 1,696,000 | 2,308,000 |
| Noninterest expense | 2,171,000 | 4,445,000 | 6,884,000 | 9,568,000 |
| Provision for loan losses | 45,000 | 275,000 | 690,000 | 920,000 |
| Pretax income | 951,000 | 1,701,000 | 2,000,000 | 2,344,000 |
| Income tax | 306,000 | 543,000 | 628,000 | 721,000 |
| Net income | 645,000 | 1,158,000 | 1,372,000 | 1,623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,437,000 | 20,476,000 | 20,572,000 | 20,686,000 |
| Total capital | 22,457,000 | 22,514,000 | 22,581,000 | 22,784,000 |
| Risk-weighted assets | 161,291,000 | 162,571,000 | 160,377,000 | 167,547,000 |