Call reports 2015
RIVER CITY BANK — 2015
What RIVER CITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 160,452,000 | 162,190,000 | 153,693,000 | 155,922,000 |
| Total loans | 106,160,000 | 108,361,000 | 106,505,000 | 105,835,000 |
| Allowance for loan losses | 2,612,000 | 2,580,000 | 1,561,000 | 1,564,000 |
| Securities available for sale | 39,179,000 | 34,736,000 | 27,298,000 | 24,062,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,074,000 | 138,884,000 | 130,044,000 | 137,961,000 |
| Interest-bearing deposits | 114,798,000 | 116,124,000 | 108,682,000 | 107,996,000 |
| Noninterest-bearing deposits | 21,276,000 | 22,760,000 | 21,362,000 | 29,965,000 |
| Equity capital | 21,156,000 | 21,046,000 | 21,325,000 | 15,375,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,369,000 | 2,764,000 | 4,173,000 | 5,577,000 |
| Interest expense | 148,000 | 285,000 | 413,000 | 535,000 |
| Net interest income | 1,221,000 | 2,479,000 | 3,760,000 | 5,042,000 |
| Noninterest income | 284,000 | 562,000 | 701,000 | -681,000 |
| Noninterest expense | 1,231,000 | 2,334,000 | 3,603,000 | 5,146,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 274,000 | 711,000 | 886,000 | -771,000 |
| Income tax | 131,000 | 290,000 | 350,000 | -37,000 |
| Net income | 143,000 | 421,000 | 536,000 | -734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,605,000 | 18,862,000 | 18,777,000 | 12,592,000 |
| Total capital | 20,091,000 | 20,366,000 | 20,283,000 | 14,073,000 |
| Risk-weighted assets | 116,388,000 | 117,912,000 | 118,953,000 | 116,816,000 |