Call reports 2007
RIVER CITY BANK — 2007
What RIVER CITY BANK 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 | 70,603,000 | 89,444,000 | 98,603,000 | 127,801,000 |
| Total loans | 45,890,000 | 60,307,000 | 73,679,000 | 89,066,000 |
| Allowance for loan losses | 459,000 | 603,000 | 737,000 | 897,000 |
| Securities available for sale | 17,792,000 | 21,468,000 | 16,087,000 | 28,366,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,293,000 | 71,705,000 | 79,753,000 | 104,696,000 |
| Interest-bearing deposits | 47,371,000 | 66,541,000 | 72,305,000 | 97,050,000 |
| Noninterest-bearing deposits | 5,921,000 | 5,164,000 | 7,447,000 | 7,646,000 |
| Equity capital | 17,020,000 | 16,930,000 | 17,180,000 | 17,118,000 |
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 | 1,132,000 | 2,561,000 | 4,173,000 | 6,108,000 |
| Interest expense | 535,000 | 1,247,000 | 2,078,000 | 3,116,000 |
| Net interest income | 597,000 | 1,314,000 | 2,095,000 | 2,992,000 |
| Noninterest income | 49,000 | 128,000 | 265,000 | 388,000 |
| Noninterest expense | 725,000 | 1,541,000 | 2,430,000 | 3,689,000 |
| Provision for loan losses | 97,000 | 242,000 | 375,000 | 535,000 |
| Pretax income | -176,000 | -341,000 | -446,000 | -845,000 |
| Income tax | -67,000 | -130,000 | -169,000 | -321,000 |
| Net income | -109,000 | -211,000 | -277,000 | -524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,383,000 | 16,379,000 | 16,424,000 | 16,197,000 |
| Total capital | 16,842,000 | 16,982,000 | 17,161,000 | 17,094,000 |
| Risk-weighted assets | 55,486,000 | 68,272,000 | 78,695,000 | 98,565,000 |
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