Call reports 2022
RIO BANK — 2022
What RIO BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 771,421,000 | 866,908,000 | 866,663,000 | 820,297,000 |
| Total loans | 379,318,000 | 387,279,000 | 387,313,000 | 387,914,000 |
| Allowance for loan losses | 4,493,000 | 4,542,000 | 4,599,000 | 4,581,000 |
| Securities available for sale | 258,972,000 | 362,869,000 | 353,854,000 | 266,615,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 7,280,000 | 4,003,000 | 2,639,000 | 0 |
| Total deposits | 692,125,000 | 805,768,000 | 807,487,000 | 758,935,000 |
| Interest-bearing deposits | 383,109,000 | 393,624,000 | 378,406,000 | 370,438,000 |
| Noninterest-bearing deposits | 309,016,000 | 412,144,000 | 429,081,000 | 388,497,000 |
| Equity capital | 67,247,000 | 58,497,000 | 56,083,000 | 58,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 6,830,000 | 14,255,000 | 22,406,000 | 30,952,000 |
| Interest expense | 454,000 | 947,000 | 1,799,000 | 3,309,000 |
| Net interest income | 6,376,000 | 13,308,000 | 20,607,000 | 27,643,000 |
| Noninterest income | 1,440,000 | 2,983,000 | 4,855,000 | 7,714,000 |
| Noninterest expense | 6,301,000 | 12,881,000 | 19,704,000 | 26,001,000 |
| Provision for loan losses | 0 | 110,000 | 110,000 | 110,000 |
| Pretax income | 1,515,000 | 3,300,000 | 5,648,000 | 9,023,000 |
| Income tax | 309,000 | 678,000 | 1,152,000 | 1,848,000 |
| Net income | 1,206,000 | 2,622,000 | 4,496,000 | 7,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,265,000 | 72,850,000 | 74,892,000 | 77,738,000 |
| Total capital | 75,758,000 | 77,392,000 | 79,491,000 | 82,319,000 |
| Risk-weighted assets | 494,255,000 | 502,838,000 | 503,429,000 | 514,896,000 |