Call reports 2020
RIO BANK — 2020
What RIO BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 566,367,000 | 653,249,000 | 659,765,000 | 667,998,000 |
| Total loans | 337,310,000 | 378,402,000 | 376,193,000 | 385,409,000 |
| Allowance for loan losses | 3,310,000 | 3,412,000 | 3,577,000 | 3,846,000 |
| Securities available for sale | 111,977,000 | 130,383,000 | 154,585,000 | 164,712,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 5,389,000 | 5,466,000 | 5,525,000 |
| Total deposits | 488,181,000 | 572,878,000 | 580,109,000 | 584,717,000 |
| Interest-bearing deposits | 317,657,000 | 348,600,000 | 341,173,000 | 358,900,000 |
| Noninterest-bearing deposits | 170,524,000 | 224,278,000 | 238,936,000 | 225,817,000 |
| Equity capital | 63,642,000 | 65,133,000 | 65,283,000 | 70,509,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 6,977,000 | 13,556,000 | 20,165,000 | 26,921,000 |
| Interest expense | 1,226,000 | 2,141,000 | 2,937,000 | 3,401,000 |
| Net interest income | 5,751,000 | 11,415,000 | 17,228,000 | 23,520,000 |
| Noninterest income | 1,541,000 | 3,059,000 | 4,460,000 | 5,847,000 |
| Noninterest expense | 5,144,000 | 10,102,000 | 15,559,000 | 21,353,000 |
| Provision for loan losses | 100,000 | 750,000 | 1,200,000 | 2,100,000 |
| Pretax income | 2,048,000 | 3,622,000 | 4,929,000 | 5,914,000 |
| Income tax | 434,000 | 770,000 | 1,006,000 | 1,198,000 |
| Net income | 1,614,000 | 2,852,000 | 3,923,000 | 4,716,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,068,000 | 53,991,000 | 54,647,000 | 60,425,000 |
| Total capital | 56,378,000 | 57,403,000 | 58,224,000 | 64,271,000 |
| Risk-weighted assets | 396,303,000 | 421,932,000 | 428,075,000 | 442,477,000 |