Call reports 2007
BANK OF THE RIO GRANDE, NATIONAL ASSOCIATION — 2007
What BANK OF THE RIO GRANDE, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 111,377,000 | 113,874,000 | 106,852,000 | 101,615,000 |
| Total loans | 89,424,000 | 93,686,000 | 85,987,000 | 81,595,000 |
| Allowance for loan losses | 961,000 | 1,006,000 | 897,000 | 939,000 |
| Securities available for sale | 4,146,000 | 3,642,000 | 3,164,000 | 2,675,000 |
| Securities held to maturity | 3,651,000 | 3,647,000 | 3,642,000 | 4,149,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,084,000 | 86,580,000 | 90,680,000 | 87,806,000 |
| Interest-bearing deposits | 53,981,000 | 51,303,000 | 54,557,000 | 54,081,000 |
| Noninterest-bearing deposits | 38,103,000 | 35,277,000 | 36,123,000 | 33,725,000 |
| Equity capital | 10,669,000 | 11,320,000 | 11,813,000 | 10,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,261,000 | 4,632,000 | 6,892,000 | 9,068,000 |
| Interest expense | 369,000 | 795,000 | 1,232,000 | 1,564,000 |
| Net interest income | 1,892,000 | 3,837,000 | 5,660,000 | 7,504,000 |
| Noninterest income | 242,000 | 475,000 | 736,000 | 994,000 |
| Noninterest expense | 1,151,000 | 2,182,000 | 3,407,000 | 4,729,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 938,000 | 2,040,000 | 2,854,000 | 3,589,000 |
| Income tax | -11,000 | 105,000 | 107,000 | 110,000 |
| Net income | 949,000 | 1,935,000 | 2,747,000 | 3,479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,507,000 | 11,152,000 | 11,623,000 | 10,440,000 |
| Total capital | 11,468,000 | 12,158,000 | 12,520,000 | 11,379,000 |
| Risk-weighted assets | 102,212,000 | 107,120,000 | 94,400,000 | 90,040,000 |