Call reports 2017
RIO BANK — 2017
What RIO BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 316,861,000 | 328,338,000 | 328,802,000 | 324,813,000 |
| Total loans | 202,869,000 | 200,948,000 | 204,710,000 | 208,495,000 |
| Allowance for loan losses | 2,347,000 | 2,416,000 | 2,444,000 | 2,561,000 |
| Securities available for sale | 62,344,000 | 76,211,000 | 81,368,000 | 79,583,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,403,000 | 291,139,000 | 291,112,000 | 288,739,000 |
| Interest-bearing deposits | 177,254,000 | 193,186,000 | 195,607,000 | 189,115,000 |
| Noninterest-bearing deposits | 102,149,000 | 97,953,000 | 95,505,000 | 99,624,000 |
| Equity capital | 26,586,000 | 27,436,000 | 30,697,000 | 30,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,672,000 | 7,443,000 | 11,456,000 | 15,525,000 |
| Interest expense | 335,000 | 741,000 | 1,181,000 | 1,614,000 |
| Net interest income | 3,337,000 | 6,702,000 | 10,275,000 | 13,911,000 |
| Noninterest income | 732,000 | 1,464,000 | 2,229,000 | 2,987,000 |
| Noninterest expense | 3,098,000 | 6,158,000 | 9,149,000 | 12,265,000 |
| Provision for loan losses | 60,000 | 120,000 | 120,000 | 120,000 |
| Pretax income | 911,000 | 1,888,000 | 3,235,000 | 4,513,000 |
| Income tax | 276,000 | 575,000 | 1,010,000 | 1,533,000 |
| Net income | 635,000 | 1,313,000 | 2,225,000 | 2,980,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,048,000 | 27,494,000 | 30,722,000 | 31,628,000 |
| Total capital | 29,395,000 | 29,910,000 | 33,166,000 | 34,189,000 |
| Risk-weighted assets | 232,737,000 | 234,888,000 | 242,226,000 | 247,094,000 |