Call reports 2014
RIVER CITY BANK — 2014
What RIVER CITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 161,498,000 | 164,834,000 | 157,269,000 | 167,388,000 |
| Total loans | 102,606,000 | 105,884,000 | 103,245,000 | 103,224,000 |
| Allowance for loan losses | 2,766,000 | 2,638,000 | 2,644,000 | 2,602,000 |
| Securities available for sale | 38,874,000 | 41,236,000 | 39,183,000 | 40,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,630,000 | 136,757,000 | 133,017,000 | 143,106,000 |
| Interest-bearing deposits | 116,614,000 | 121,436,000 | 116,571,000 | 120,879,000 |
| Noninterest-bearing deposits | 17,016,000 | 15,321,000 | 16,446,000 | 22,227,000 |
| Equity capital | 24,373,000 | 24,745,000 | 20,855,000 | 20,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,371,000 | 2,757,000 | 4,152,000 | 5,559,000 |
| Interest expense | 155,000 | 316,000 | 477,000 | 634,000 |
| Net interest income | 1,216,000 | 2,441,000 | 3,675,000 | 4,925,000 |
| Noninterest income | 217,000 | 523,000 | 784,000 | 1,102,000 |
| Noninterest expense | 1,259,000 | 2,470,000 | 3,663,000 | 4,875,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 174,000 | 494,000 | 796,000 | 1,152,000 |
| Income tax | 66,000 | 193,000 | 302,000 | 438,000 |
| Net income | 108,000 | 301,000 | 494,000 | 714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,196,000 | 21,733,000 | 18,049,000 | 18,153,000 |
| Total capital | 22,537,000 | 23,101,000 | 19,388,000 | 19,508,000 |
| Risk-weighted assets | 105,894,000 | 108,162,000 | 105,837,000 | 107,308,000 |
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