Call reports 2013
RIVER CITY BANK — 2013
What RIVER CITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 158,153,000 | 156,684,000 | 161,748,000 | 164,854,000 |
| Total loans | 101,016,000 | 106,684,000 | 108,265,000 | 103,640,000 |
| Allowance for loan losses | 3,085,000 | 3,050,000 | 2,939,000 | 2,869,000 |
| Securities available for sale | 42,207,000 | 39,549,000 | 41,215,000 | 38,332,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,887,000 | 129,549,000 | 134,293,000 | 137,492,000 |
| Interest-bearing deposits | 114,732,000 | 114,417,000 | 118,370,000 | 117,760,000 |
| Noninterest-bearing deposits | 15,155,000 | 15,132,000 | 15,924,000 | 19,732,000 |
| Equity capital | 21,019,000 | 19,960,000 | 20,209,000 | 24,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,531,000 | 3,020,000 | 4,534,000 | 6,015,000 |
| Interest expense | 231,000 | 409,000 | 591,000 | 781,000 |
| Net interest income | 1,300,000 | 2,611,000 | 3,943,000 | 5,234,000 |
| Noninterest income | 249,000 | 404,000 | 665,000 | 626,000 |
| Noninterest expense | 1,148,000 | 2,525,000 | 3,830,000 | 5,208,000 |
| Provision for loan losses | 105,000 | 210,000 | 245,000 | 245,000 |
| Pretax income | 296,000 | 300,000 | 553,000 | 427,000 |
| Income tax | 0 | 0 | 0 | -3,708,000 |
| Net income | 296,000 | 300,000 | 553,000 | 4,135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,697,000 | 20,700,000 | 20,953,000 | 20,823,000 |
| Total capital | 22,036,000 | 22,098,000 | 22,375,000 | 22,179,000 |
| Risk-weighted assets | 105,411,000 | 110,230,000 | 112,234,000 | 106,942,000 |
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