Call reports 2016
RIO BANK — 2016
What RIO BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 286,289,000 | 291,211,000 | 287,487,000 | 285,969,000 |
| Total loans | 181,931,000 | 182,742,000 | 188,315,000 | 189,139,000 |
| Allowance for loan losses | 2,538,000 | 2,515,000 | 2,224,000 | 2,298,000 |
| Securities available for sale | 61,304,000 | 64,800,000 | 62,349,000 | 60,239,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,070,000 | 262,358,000 | 257,636,000 | 258,624,000 |
| Interest-bearing deposits | 168,529,000 | 173,888,000 | 171,172,000 | 166,868,000 |
| Noninterest-bearing deposits | 87,541,000 | 88,470,000 | 86,464,000 | 91,756,000 |
| Equity capital | 24,983,000 | 25,785,000 | 26,464,000 | 25,985,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,507,000 | 6,963,000 | 10,624,000 | 14,190,000 |
| Interest expense | 313,000 | 646,000 | 967,000 | 1,285,000 |
| Net interest income | 3,194,000 | 6,317,000 | 9,657,000 | 12,905,000 |
| Noninterest income | 671,000 | 1,309,000 | 2,008,000 | 2,955,000 |
| Noninterest expense | 2,694,000 | 5,464,000 | 8,317,000 | 11,375,000 |
| Provision for loan losses | 0 | 30,000 | 80,000 | 170,000 |
| Pretax income | 1,244,000 | 2,205,000 | 3,366,000 | 4,441,000 |
| Income tax | 395,000 | 690,000 | 1,051,000 | 1,388,000 |
| Net income | 849,000 | 1,515,000 | 2,315,000 | 3,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,544,000 | 25,225,000 | 25,842,000 | 26,596,000 |
| Total capital | 27,082,000 | 27,740,000 | 28,066,000 | 28,894,000 |
| Risk-weighted assets | 204,247,000 | 205,169,000 | 213,447,000 | 218,070,000 |