Call reports 2025
RIO BANK — 2025
What RIO BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 974,607,000 | 1,406,380,000 | 1,422,426,000 | 1,393,727,000 |
| Total loans | 514,147,000 | 782,467,000 | 782,051,000 | 791,246,000 |
| Allowance for loan losses | 6,504,000 | 6,491,000 | 6,557,000 | 10,595,000 |
| Securities available for sale | 325,122,000 | 366,769,000 | 393,620,000 | 396,702,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 762,331,000 | 1,137,362,000 | 1,186,481,000 | 1,164,594,000 |
| Interest-bearing deposits | 455,253,000 | 783,311,000 | 752,417,000 | 742,948,000 |
| Noninterest-bearing deposits | 307,078,000 | 354,051,000 | 434,064,000 | 421,646,000 |
| Equity capital | 83,573,000 | 141,633,000 | 148,360,000 | 149,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 12,434,000 | 27,912,000 | 47,934,000 | 67,816,000 |
| Interest expense | 4,267,000 | 9,866,000 | 16,804,000 | 23,264,000 |
| Net interest income | 8,167,000 | 18,046,000 | 31,130,000 | 44,552,000 |
| Noninterest income | 2,267,000 | 4,733,000 | 7,281,000 | 9,842,000 |
| Noninterest expense | 7,996,000 | 17,678,000 | 31,304,000 | 45,070,000 |
| Provision for loan losses | 378,000 | 348,000 | 433,000 | 733,000 |
| Pretax income | 2,035,000 | 4,678,000 | 6,559,000 | 8,476,000 |
| Income tax | 434,000 | 990,000 | 1,408,000 | 1,796,000 |
| Net income | 1,601,000 | 3,688,000 | 5,151,000 | 6,680,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,536,000 | 137,931,000 | 131,261,000 | 133,531,000 |
| Total capital | 101,775,000 | 145,281,000 | 138,717,000 | 145,196,000 |
| Risk-weighted assets | 692,346,000 | 986,006,000 | 971,216,000 | 962,225,000 |