Call reports 2007
RIVER CITY BANK — 2007
What RIVER CITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 812,829,000 | 836,436,000 | 844,854,000 | 819,044,000 |
| Total loans | 514,551,000 | 528,561,000 | 510,305,000 | 504,760,000 |
| Allowance for loan losses | 9,453,000 | 9,322,000 | 9,420,000 | 15,060,000 |
| Securities available for sale | 238,294,000 | 245,612,000 | 259,243,000 | 251,929,000 |
| Securities held to maturity | 1,180,000 | 1,182,000 | 1,184,000 | 1,186,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 655,243,000 | 635,546,000 | 656,494,000 | 642,049,000 |
| Interest-bearing deposits | 478,830,000 | 457,278,000 | 484,340,000 | 473,916,000 |
| Noninterest-bearing deposits | 176,413,000 | 178,268,000 | 172,154,000 | 168,133,000 |
| Equity capital | 89,082,000 | 89,326,000 | 92,781,000 | 93,331,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 12,477,000 | 24,976,000 | 37,618,000 | 49,592,000 |
| Interest expense | 3,547,000 | 7,197,000 | 11,246,000 | 14,750,000 |
| Net interest income | 8,930,000 | 17,779,000 | 26,372,000 | 34,842,000 |
| Noninterest income | 1,431,000 | 2,937,000 | 4,427,000 | 5,892,000 |
| Noninterest expense | 6,506,000 | 13,497,000 | 20,447,000 | 27,730,000 |
| Provision for loan losses | 0 | 0 | 300,000 | 6,200,000 |
| Pretax income | 3,951,000 | 7,315,000 | 10,148,000 | 6,905,000 |
| Income tax | 1,460,000 | 2,709,000 | 3,778,000 | 1,809,000 |
| Net income | 2,491,000 | 4,606,000 | 6,370,000 | 5,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,901,000 | 92,017,000 | 93,781,000 | 92,506,000 |
| Total capital | 98,249,000 | 100,626,000 | 102,000,000 | 100,568,000 |
| Risk-weighted assets | 666,772,000 | 688,274,000 | 656,098,000 | 638,267,000 |
Machine access — free, no API key
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