Call reports 2021
RIO BANK — 2021
What RIO BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 703,630,000 | 745,231,000 | 750,430,000 | 745,346,000 |
| Total loans | 372,045,000 | 372,212,000 | 365,734,000 | 370,909,000 |
| Allowance for loan losses | 3,811,000 | 3,976,000 | 4,114,000 | 4,451,000 |
| Securities available for sale | 190,805,000 | 233,376,000 | 249,287,000 | 253,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 7,523,000 | 7,583,000 | 7,576,000 | 7,640,000 |
| Total deposits | 619,196,000 | 659,086,000 | 662,022,000 | 656,662,000 |
| Interest-bearing deposits | 360,585,000 | 386,221,000 | 373,171,000 | 381,703,000 |
| Noninterest-bearing deposits | 258,611,000 | 272,865,000 | 288,851,000 | 274,959,000 |
| Equity capital | 71,360,000 | 72,342,000 | 74,008,000 | 76,309,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 7,018,000 | 14,036,000 | 21,687,000 | 28,597,000 |
| Interest expense | 593,000 | 1,165,000 | 1,719,000 | 2,212,000 |
| Net interest income | 6,425,000 | 12,871,000 | 19,968,000 | 26,385,000 |
| Noninterest income | 1,414,000 | 2,896,000 | 4,480,000 | 6,273,000 |
| Noninterest expense | 5,716,000 | 11,486,000 | 17,472,000 | 23,265,000 |
| Provision for loan losses | 150,000 | 300,000 | 500,000 | 650,000 |
| Pretax income | 1,973,000 | 3,981,000 | 6,476,000 | 8,743,000 |
| Income tax | 268,000 | 678,000 | 1,190,000 | 1,799,000 |
| Net income | 1,705,000 | 3,303,000 | 5,286,000 | 6,944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,297,000 | 63,512,000 | 65,211,000 | 69,890,000 |
| Total capital | 66,108,000 | 67,488,000 | 69,325,000 | 74,341,000 |
| Risk-weighted assets | 448,997,000 | 464,033,000 | 476,673,000 | 485,381,000 |