Call reports 2006
RIVER CITY BANK — 2006
What RIVER CITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 768,018,000 | 761,810,000 | 811,134,000 | 848,039,000 |
| Total loans | 448,444,000 | 480,880,000 | 490,287,000 | 519,327,000 |
| Allowance for loan losses | 8,892,000 | 8,951,000 | 8,820,000 | 9,099,000 |
| Securities available for sale | 236,453,000 | 219,212,000 | 248,684,000 | 264,241,000 |
| Securities held to maturity | 993,000 | 995,000 | 997,000 | 999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 641,132,000 | 622,956,000 | 643,571,000 | 667,720,000 |
| Interest-bearing deposits | 455,048,000 | 436,742,000 | 457,111,000 | 476,054,000 |
| Noninterest-bearing deposits | 186,084,000 | 186,214,000 | 186,460,000 | 191,666,000 |
| Equity capital | 77,271,000 | 78,364,000 | 82,621,000 | 86,304,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 10,122,000 | 20,895,000 | 32,694,000 | 45,160,000 |
| Interest expense | 1,487,000 | 3,451,000 | 6,230,000 | 9,741,000 |
| Net interest income | 8,635,000 | 17,444,000 | 26,464,000 | 35,419,000 |
| Noninterest income | 1,528,000 | 3,125,000 | 4,612,000 | 7,405,000 |
| Noninterest expense | 6,173,000 | 12,578,000 | 18,823,000 | 26,403,000 |
| Provision for loan losses | 0 | 50,000 | 150,000 | 525,000 |
| Pretax income | 3,974,000 | 7,917,000 | 12,079,000 | 15,505,000 |
| Income tax | 1,499,000 | 2,953,000 | 4,483,000 | 5,432,000 |
| Net income | 2,475,000 | 4,964,000 | 7,596,000 | 10,073,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,812,000 | 82,302,000 | 84,934,000 | 87,411,000 |
| Total capital | 87,289,000 | 90,043,000 | 93,229,000 | 95,961,000 |
| Risk-weighted assets | 596,765,000 | 618,109,000 | 663,054,000 | 683,264,000 |
Machine access — free, no API key
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