Call reports 2008
BANK OF THE RIO GRANDE, NATIONAL ASSOCIATION — 2008
What BANK OF THE RIO GRANDE, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 102,406,000 | 98,604,000 | 96,881,000 | 101,925,000 |
| Total loans | 82,836,000 | 77,637,000 | 76,064,000 | 74,196,000 |
| Allowance for loan losses | 925,000 | 982,000 | 1,026,000 | 1,060,000 |
| Securities available for sale | 1,676,000 | 2,134,000 | 2,118,000 | 2,052,000 |
| Securities held to maturity | 4,144,000 | 4,140,000 | 4,135,000 | 4,131,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,840,000 | 85,112,000 | 80,301,000 | 88,493,000 |
| Interest-bearing deposits | 43,272,000 | 40,696,000 | 35,865,000 | 54,421,000 |
| Noninterest-bearing deposits | 46,568,000 | 44,416,000 | 44,436,000 | 34,072,000 |
| Equity capital | 11,302,000 | 11,337,000 | 11,672,000 | 11,165,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,928,000 | 3,813,000 | 5,522,000 | 7,156,000 |
| Interest expense | 302,000 | 571,000 | 785,000 | 964,000 |
| Net interest income | 1,626,000 | 3,242,000 | 4,737,000 | 6,192,000 |
| Noninterest income | 248,000 | 494,000 | 753,000 | 1,050,000 |
| Noninterest expense | 1,147,000 | 2,286,000 | 3,404,000 | 4,590,000 |
| Provision for loan losses | 60,000 | 200,000 | 260,000 | 320,000 |
| Pretax income | 667,000 | 1,250,000 | 1,826,000 | 2,332,000 |
| Income tax | 40,000 | 40,000 | 40,000 | 40,000 |
| Net income | 627,000 | 1,210,000 | 1,786,000 | 2,292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,068,000 | 11,144,000 | 11,494,000 | 10,932,000 |
| Total capital | 11,993,000 | 12,146,000 | 12,540,000 | 12,012,000 |
| Risk-weighted assets | 98,660,000 | 91,600,000 | 86,969,000 | 86,227,000 |