Call reports 2009
RIVER CITY BANK — 2009
What RIVER CITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 213,126,000 | 215,054,000 | 227,632,000 | 228,173,000 |
| Total loans | 168,698,000 | 171,662,000 | 167,722,000 | 168,558,000 |
| Allowance for loan losses | 2,016,000 | 2,763,000 | 2,316,000 | 3,984,000 |
| Securities available for sale | 30,925,000 | 29,795,000 | 32,958,000 | 35,562,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,858,000 | 155,314,000 | 168,770,000 | 172,734,000 |
| Interest-bearing deposits | 147,939,000 | 143,316,000 | 157,408,000 | 160,222,000 |
| Noninterest-bearing deposits | 9,919,000 | 11,997,000 | 11,362,000 | 12,513,000 |
| Equity capital | 21,593,000 | 29,416,000 | 29,260,000 | 26,035,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,906,000 | 5,832,000 | 8,711,000 | 11,589,000 |
| Interest expense | 1,243,000 | 2,423,000 | 3,644,000 | 4,888,000 |
| Net interest income | 1,663,000 | 3,409,000 | 5,067,000 | 6,701,000 |
| Noninterest income | 195,000 | 484,000 | 573,000 | 99,000 |
| Noninterest expense | 1,178,000 | 2,553,000 | 3,886,000 | 5,481,000 |
| Provision for loan losses | 300,000 | 1,047,000 | 1,975,000 | 5,968,000 |
| Pretax income | 380,000 | 293,000 | -67,000 | -4,495,000 |
| Income tax | 143,000 | 110,000 | -27,000 | -1,611,000 |
| Net income | 237,000 | 183,000 | -40,000 | -2,884,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,277,000 | 29,160,000 | 27,629,000 | 22,931,000 |
| Total capital | 23,293,000 | 31,378,000 | 29,852,000 | 25,179,000 |
| Risk-weighted assets | 178,557,000 | 177,092,000 | 178,158,000 | 178,065,000 |
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