Call reports 2014
RIO BANK — 2014
What RIO BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 239,863,000 | 252,822,000 | 261,254,000 | 262,664,000 |
| Total loans | 149,862,000 | 160,785,000 | 160,744,000 | 163,105,000 |
| Allowance for loan losses | 2,144,000 | 2,233,000 | 2,358,000 | 2,490,000 |
| Securities available for sale | 51,881,000 | 54,051,000 | 61,731,000 | 65,422,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,147,000 | 230,588,000 | 237,888,000 | 227,758,000 |
| Interest-bearing deposits | 159,498,000 | 167,839,000 | 172,468,000 | 167,227,000 |
| Noninterest-bearing deposits | 58,649,000 | 62,749,000 | 65,420,000 | 60,531,000 |
| Equity capital | 21,021,000 | 21,586,000 | 22,556,000 | 23,426,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,974,000 | 6,084,000 | 9,301,000 | 12,542,000 |
| Interest expense | 289,000 | 563,000 | 848,000 | 1,140,000 |
| Net interest income | 2,685,000 | 5,521,000 | 8,453,000 | 11,402,000 |
| Noninterest income | 586,000 | 1,243,000 | 1,737,000 | 2,353,000 |
| Noninterest expense | 2,631,000 | 5,161,000 | 7,699,000 | 10,290,000 |
| Provision for loan losses | 80,000 | 170,000 | 260,000 | 350,000 |
| Pretax income | 560,000 | 1,433,000 | 2,231,000 | 3,115,000 |
| Income tax | 161,000 | 412,000 | 648,000 | 917,000 |
| Net income | 399,000 | 1,021,000 | 1,583,000 | 2,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,946,000 | 21,526,000 | 22,598,000 | 23,223,000 |
| Total capital | 23,033,000 | 23,745,000 | 24,818,000 | 25,457,000 |
| Risk-weighted assets | 166,941,000 | 177,512,000 | 177,493,000 | 178,467,000 |