Call reports 2008
RIVER CITY BANK — 2008
What RIVER CITY BANK 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 | 150,795,000 | 171,783,000 | 198,903,000 | 211,608,000 |
| Total loans | 110,982,000 | 134,003,000 | 158,959,000 | 170,756,000 |
| Allowance for loan losses | 1,110,000 | 1,340,000 | 1,589,000 | 1,713,000 |
| Securities available for sale | 26,656,000 | 24,339,000 | 26,202,000 | 26,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,077,000 | 125,281,000 | 140,237,000 | 151,208,000 |
| Interest-bearing deposits | 117,339,000 | 114,504,000 | 130,160,000 | 140,627,000 |
| Noninterest-bearing deposits | 7,737,000 | 10,776,000 | 10,077,000 | 10,581,000 |
| Equity capital | 17,323,000 | 19,995,000 | 20,902,000 | 21,654,000 |
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 | 2,079,000 | 4,373,000 | 7,014,000 | 9,880,000 |
| Interest expense | 1,156,000 | 2,339,000 | 3,718,000 | 5,127,000 |
| Net interest income | 923,000 | 2,034,000 | 3,296,000 | 4,753,000 |
| Noninterest income | 161,000 | 305,000 | 506,000 | 694,000 |
| Noninterest expense | 1,373,000 | 2,879,000 | 4,390,000 | 6,126,000 |
| Provision for loan losses | 221,000 | 459,000 | 707,000 | 1,135,000 |
| Pretax income | -510,000 | -979,000 | -1,275,000 | -1,794,000 |
| Income tax | -192,000 | -370,000 | -482,000 | -608,000 |
| Net income | -318,000 | -609,000 | -793,000 | -1,186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,967,000 | 18,870,000 | 19,591,000 | 19,858,000 |
| Total capital | 17,077,000 | 18,870,000 | 21,180,000 | 21,571,000 |
| Risk-weighted assets | 123,178,000 | 138,155,000 | 164,927,000 | 180,282,000 |
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