Call reports 2004
BANK OF THE RIO GRANDE, NATIONAL ASSOCIATION — 2004
What BANK OF THE RIO GRANDE, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 78,748,000 | 79,458,000 | 81,196,000 | 81,759,000 |
| Total loans | 51,334,000 | 54,023,000 | 57,494,000 | 57,396,000 |
| Allowance for loan losses | 473,000 | 486,000 | 509,000 | 522,000 |
| Securities available for sale | 6,978,000 | 6,945,000 | 6,939,000 | 6,875,000 |
| Securities held to maturity | 525,000 | 525,000 | 590,000 | 1,090,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,065,000 | 70,697,000 | 71,875,000 | 72,039,000 |
| Interest-bearing deposits | 44,398,000 | 44,153,000 | 44,804,000 | 44,329,000 |
| Noninterest-bearing deposits | 25,667,000 | 26,544,000 | 27,071,000 | 27,710,000 |
| Equity capital | 7,613,000 | 7,788,000 | 8,159,000 | 7,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,019,000 | 2,122,000 | 3,340,000 | 4,592,000 |
| Interest expense | 98,000 | 197,000 | 309,000 | 425,000 |
| Net interest income | 921,000 | 1,925,000 | 3,031,000 | 4,167,000 |
| Noninterest income | 372,000 | 689,000 | 858,000 | 1,012,000 |
| Noninterest expense | 843,000 | 1,698,000 | 2,450,000 | 3,227,000 |
| Provision for loan losses | 19,000 | 39,000 | 61,000 | 83,000 |
| Pretax income | 425,000 | 870,000 | 1,370,000 | 1,861,000 |
| Income tax | 159,000 | 326,000 | 524,000 | 692,000 |
| Net income | 266,000 | 544,000 | 846,000 | 1,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,363,000 | 7,641,000 | 7,943,000 | 7,591,000 |
| Total capital | 7,836,000 | 8,127,000 | 8,452,000 | 8,113,000 |
| Risk-weighted assets | 64,846,000 | 65,546,000 | 68,174,000 | 69,572,000 |