Call reports 2011
RIVER CITY BANK — 2011
What RIVER CITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 217,714,000 | 206,292,000 | 198,335,000 | 182,263,000 |
| Total loans | 153,325,000 | 143,682,000 | 133,781,000 | 123,494,000 |
| Allowance for loan losses | 3,971,000 | 4,569,000 | 5,055,000 | 3,485,000 |
| Securities available for sale | 30,433,000 | 31,770,000 | 31,545,000 | 30,429,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,639,000 | 173,058,000 | 166,343,000 | 154,447,000 |
| Interest-bearing deposits | 170,250,000 | 163,135,000 | 154,463,000 | 142,460,000 |
| Noninterest-bearing deposits | 10,389,000 | 9,923,000 | 11,880,000 | 11,987,000 |
| Equity capital | 26,098,000 | 25,924,000 | 24,712,000 | 20,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,562,000 | 4,818,000 | 6,989,000 | 9,119,000 |
| Interest expense | 810,000 | 1,504,000 | 2,121,000 | 2,620,000 |
| Net interest income | 1,752,000 | 3,314,000 | 4,868,000 | 6,499,000 |
| Noninterest income | 204,000 | 33,000 | 136,000 | 131,000 |
| Noninterest expense | 1,184,000 | 2,548,000 | 3,851,000 | 5,436,000 |
| Provision for loan losses | 850,000 | 1,622,000 | 4,083,000 | 4,316,000 |
| Pretax income | -78,000 | -823,000 | -2,930,000 | -3,115,000 |
| Income tax | -30,000 | -297,000 | -1,098,000 | 3,116,000 |
| Net income | -48,000 | -526,000 | -1,832,000 | -6,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,981,000 | 23,391,000 | 21,427,000 | 19,927,000 |
| Total capital | 26,978,000 | 25,222,000 | 23,150,000 | 21,535,000 |
| Risk-weighted assets | 157,986,000 | 143,720,000 | 134,503,000 | 126,675,000 |
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