Call reports 2023
RIO BANK — 2023
What RIO BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 814,708,000 | 803,299,000 | 790,139,000 | 802,811,000 |
| Total loans | 388,209,000 | 398,227,000 | 393,323,000 | 416,522,000 |
| Allowance for loan losses | 4,803,000 | 4,799,000 | 4,876,000 | 4,877,000 |
| Securities available for sale | 283,502,000 | 275,883,000 | 262,095,000 | 248,415,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 745,546,000 | 736,700,000 | 725,666,000 | 729,824,000 |
| Interest-bearing deposits | 379,397,000 | 372,768,000 | 370,495,000 | 380,313,000 |
| Noninterest-bearing deposits | 366,149,000 | 363,932,000 | 355,171,000 | 349,511,000 |
| Equity capital | 64,460,000 | 63,126,000 | 60,612,000 | 70,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 8,811,000 | 18,293,000 | 28,045,000 | 38,401,000 |
| Interest expense | 1,920,000 | 4,008,000 | 6,314,000 | 8,926,000 |
| Net interest income | 6,891,000 | 14,285,000 | 21,731,000 | 29,475,000 |
| Noninterest income | 2,133,000 | 4,414,000 | 6,617,000 | 8,798,000 |
| Noninterest expense | 6,753,000 | 13,765,000 | 20,778,000 | 27,692,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,941,000 | 4,634,000 | 7,270,000 | 8,300,000 |
| Income tax | 397,000 | 957,000 | 1,503,000 | 1,754,000 |
| Net income | 1,544,000 | 3,677,000 | 5,767,000 | 6,546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,780,000 | 81,071,000 | 83,318,000 | 84,227,000 |
| Total capital | 84,217,000 | 86,474,000 | 88,799,000 | 89,879,000 |
| Risk-weighted assets | 508,528,000 | 515,683,000 | 514,751,000 | 551,634,000 |