Call reports 2017
RIVER CITY BANK — 2017
What RIVER CITY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 152,609,000 | 153,533,000 | 157,841,000 | 160,489,000 |
| Total loans | 101,771,000 | 102,577,000 | 103,684,000 | 102,512,000 |
| Allowance for loan losses | 1,386,000 | 1,409,000 | 1,377,000 | 1,079,000 |
| Securities available for sale | 32,470,000 | 31,345,000 | 32,412,000 | 34,471,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,703,000 | 137,014,000 | 141,116,000 | 144,094,000 |
| Interest-bearing deposits | 109,995,000 | 108,400,000 | 109,248,000 | 109,682,000 |
| Noninterest-bearing deposits | 26,708,000 | 28,614,000 | 31,868,000 | 34,412,000 |
| Equity capital | 15,696,000 | 16,246,000 | 16,518,000 | 16,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,360,000 | 2,805,000 | 4,263,000 | 5,751,000 |
| Interest expense | 107,000 | 215,000 | 322,000 | 430,000 |
| Net interest income | 1,253,000 | 2,590,000 | 3,941,000 | 5,321,000 |
| Noninterest income | 342,000 | 656,000 | 1,032,000 | 1,297,000 |
| Noninterest expense | 1,222,000 | 2,343,000 | 3,502,000 | 4,557,000 |
| Provision for loan losses | 0 | 0 | 0 | -300,000 |
| Pretax income | 373,000 | 908,000 | 1,476,000 | 2,366,000 |
| Income tax | 139,000 | 335,000 | 543,000 | 1,596,000 |
| Net income | 234,000 | 573,000 | 933,000 | 770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,115,000 | 13,626,000 | 14,193,000 | 14,921,000 |
| Total capital | 14,501,000 | 15,035,000 | 15,570,000 | 16,000,000 |
| Risk-weighted assets | 112,375,000 | 114,352,000 | 115,282,000 | 114,586,000 |