Call reports 2016
RIVER CITY BANK — 2016
What RIVER CITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 151,435,000 | 148,822,000 | 147,905,000 | 160,036,000 |
| Total loans | 103,743,000 | 106,086,000 | 104,462,000 | 103,668,000 |
| Allowance for loan losses | 1,549,000 | 1,550,000 | 1,447,000 | 1,389,000 |
| Securities available for sale | 24,577,000 | 27,739,000 | 27,098,000 | 27,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,303,000 | 130,787,000 | 131,885,000 | 144,409,000 |
| Interest-bearing deposits | 109,736,000 | 107,612,000 | 107,480,000 | 107,181,000 |
| Noninterest-bearing deposits | 23,567,000 | 23,175,000 | 24,405,000 | 37,228,000 |
| Equity capital | 15,728,000 | 15,684,000 | 15,803,000 | 15,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,376,000 | 2,732,000 | 4,086,000 | 5,458,000 |
| Interest expense | 117,000 | 234,000 | 345,000 | 455,000 |
| Net interest income | 1,259,000 | 2,498,000 | 3,741,000 | 5,003,000 |
| Noninterest income | 275,000 | 149,000 | 461,000 | 925,000 |
| Noninterest expense | 1,180,000 | 2,413,000 | 3,562,000 | 4,825,000 |
| Provision for loan losses | 0 | 0 | 210,000 | 210,000 |
| Pretax income | 356,000 | 236,000 | 494,000 | 957,000 |
| Income tax | 126,000 | 72,000 | 162,000 | 330,000 |
| Net income | 230,000 | 164,000 | 332,000 | 627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,983,000 | 12,146,000 | 12,326,000 | 12,743,000 |
| Total capital | 14,430,000 | 13,615,000 | 13,768,000 | 14,132,000 |
| Risk-weighted assets | 114,665,000 | 116,241,000 | 114,093,000 | 113,905,000 |