Call reports 2019
RIO BANK — 2019
What RIO BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 545,256,000 | 559,746,000 | 554,406,000 | 544,956,000 |
| Total loans | 349,545,000 | 348,723,000 | 338,742,000 | 336,462,000 |
| Allowance for loan losses | 2,920,000 | 3,108,000 | 3,193,000 | 3,252,000 |
| Securities available for sale | 104,588,000 | 114,780,000 | 118,035,000 | 118,797,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 472,860,000 | 487,167,000 | 482,118,000 | 471,992,000 |
| Interest-bearing deposits | 304,342,000 | 323,623,000 | 310,192,000 | 318,584,000 |
| Noninterest-bearing deposits | 168,518,000 | 163,544,000 | 171,926,000 | 153,408,000 |
| Equity capital | 55,621,000 | 58,626,000 | 60,163,000 | 61,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 7,190,000 | 14,653,000 | 21,902,000 | 28,962,000 |
| Interest expense | 1,188,000 | 2,630,000 | 4,119,000 | 5,206,000 |
| Net interest income | 6,002,000 | 12,023,000 | 17,783,000 | 23,756,000 |
| Noninterest income | 1,290,000 | 2,876,000 | 4,504,000 | 6,012,000 |
| Noninterest expense | 5,578,000 | 10,814,000 | 16,055,000 | 21,120,000 |
| Provision for loan losses | 130,000 | 345,000 | 495,000 | 495,000 |
| Pretax income | 1,584,000 | 3,740,000 | 5,737,000 | 8,153,000 |
| Income tax | 337,000 | 794,000 | 1,223,000 | 1,597,000 |
| Net income | 1,247,000 | 2,946,000 | 4,514,000 | 6,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,658,000 | 49,215,000 | 50,617,000 | 52,265,000 |
| Total capital | 50,578,000 | 52,323,000 | 53,810,000 | 55,517,000 |
| Risk-weighted assets | 397,148,000 | 391,175,000 | 389,498,000 | 391,451,000 |