Call reports 2024
RIO BANK — 2024
What RIO BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 846,142,000 | 883,903,000 | 936,408,000 | 945,393,000 |
| Total loans | 428,438,000 | 448,541,000 | 446,778,000 | 485,200,000 |
| Allowance for loan losses | 4,999,000 | 5,162,000 | 5,721,000 | 6,032,000 |
| Securities available for sale | 230,252,000 | 237,617,000 | 336,156,000 | 323,802,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 725,195,000 | 758,111,000 | 748,047,000 | 767,347,000 |
| Interest-bearing deposits | 382,585,000 | 447,932,000 | 444,165,000 | 468,679,000 |
| Noninterest-bearing deposits | 342,610,000 | 310,179,000 | 303,882,000 | 298,668,000 |
| Equity capital | 70,119,000 | 74,125,000 | 83,645,000 | 75,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 10,981,000 | 22,722,000 | 35,207,000 | 48,174,000 |
| Interest expense | 3,203,000 | 6,858,000 | 11,431,000 | 15,949,000 |
| Net interest income | 7,778,000 | 15,864,000 | 23,776,000 | 32,225,000 |
| Noninterest income | 2,361,000 | 4,570,000 | 8,087,000 | 10,058,000 |
| Noninterest expense | 7,304,000 | 14,925,000 | 23,054,000 | 30,846,000 |
| Provision for loan losses | 160,000 | 325,000 | 895,000 | 1,286,000 |
| Pretax income | 2,635,000 | 5,046,000 | 7,776,000 | 10,215,000 |
| Income tax | 572,000 | 1,096,000 | 1,636,000 | 2,152,000 |
| Net income | 2,063,000 | 3,950,000 | 6,140,000 | 8,063,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,418,000 | 88,433,000 | 90,751,000 | 92,802,000 |
| Total capital | 92,231,000 | 94,507,000 | 97,385,000 | 99,544,000 |
| Risk-weighted assets | 555,938,000 | 582,316,000 | 633,639,000 | 673,289,000 |