Call reports 2018
RIO BANK — 2018
What RIO BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 334,647,000 | 351,782,000 | 539,697,000 | 521,914,000 |
| Total loans | 209,807,000 | 201,018,000 | 350,749,000 | 339,764,000 |
| Allowance for loan losses | 2,667,000 | 2,668,000 | 2,770,000 | 2,900,000 |
| Securities available for sale | 78,670,000 | 98,535,000 | 114,643,000 | 110,603,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,077,000 | 309,269,000 | 474,217,000 | 452,235,000 |
| Interest-bearing deposits | 194,810,000 | 201,014,000 | 307,488,000 | 293,635,000 |
| Noninterest-bearing deposits | 104,267,000 | 108,255,000 | 166,729,000 | 158,600,000 |
| Equity capital | 30,923,000 | 32,327,000 | 52,081,000 | 53,870,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,024,000 | 8,273,000 | 13,737,000 | 21,179,000 |
| Interest expense | 478,000 | 1,063,000 | 1,797,000 | 2,667,000 |
| Net interest income | 3,546,000 | 7,210,000 | 11,940,000 | 18,512,000 |
| Noninterest income | 755,000 | 1,801,000 | 2,902,000 | 4,042,000 |
| Noninterest expense | 3,185,000 | 6,462,000 | 12,507,000 | 18,381,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 300,000 |
| Pretax income | 1,116,000 | 2,549,000 | 2,112,000 | 3,750,000 |
| Income tax | 220,000 | 504,000 | 400,000 | 749,000 |
| Net income | 896,000 | 2,045,000 | 1,712,000 | 3,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,556,000 | 34,238,000 | 45,532,000 | 46,486,000 |
| Total capital | 35,223,000 | 36,906,000 | 48,302,000 | 49,386,000 |
| Risk-weighted assets | 249,136,000 | 246,785,000 | 397,122,000 | 383,591,000 |