Call reports 2015
RIO BANK — 2015
What RIO BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 265,525,000 | 265,431,000 | 271,154,000 | 273,800,000 |
| Total loans | 168,187,000 | 171,385,000 | 172,741,000 | 177,463,000 |
| Allowance for loan losses | 2,574,000 | 2,629,000 | 2,610,000 | 2,531,000 |
| Securities available for sale | 63,426,000 | 62,083,000 | 62,499,000 | 60,186,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,245,000 | 231,935,000 | 238,539,000 | 243,598,000 |
| Interest-bearing deposits | 161,753,000 | 158,975,000 | 160,355,000 | 161,188,000 |
| Noninterest-bearing deposits | 69,492,000 | 72,960,000 | 78,184,000 | 82,410,000 |
| Equity capital | 24,265,000 | 24,630,000 | 25,273,000 | 25,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,219,000 | 6,501,000 | 9,802,000 | 13,149,000 |
| Interest expense | 288,000 | 576,000 | 869,000 | 1,161,000 |
| Net interest income | 2,931,000 | 5,925,000 | 8,933,000 | 11,988,000 |
| Noninterest income | 1,024,000 | 1,688,000 | 2,139,000 | 2,808,000 |
| Noninterest expense | 2,701,000 | 5,350,000 | 7,988,000 | 10,678,000 |
| Provision for loan losses | 132,000 | 192,000 | 192,000 | 192,000 |
| Pretax income | 1,122,000 | 2,071,000 | 2,892,000 | 3,926,000 |
| Income tax | 265,000 | 550,000 | 792,000 | 1,124,000 |
| Net income | 857,000 | 1,521,000 | 2,100,000 | 2,802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,902,000 | 24,388,000 | 24,788,000 | 25,506,000 |
| Total capital | 26,334,000 | 26,797,000 | 27,235,000 | 28,016,000 |
| Risk-weighted assets | 194,389,000 | 192,539,000 | 195,623,000 | 200,804,000 |