Call reports 2008
RIVER CITY BANK — 2008
What RIVER CITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 833,431,000 | 862,023,000 | 851,714,000 | 920,655,000 |
| Total loans | 504,424,000 | 507,224,000 | 504,969,000 | 529,445,000 |
| Allowance for loan losses | 10,175,000 | 10,540,000 | 17,263,000 | 22,957,000 |
| Securities available for sale | 265,058,000 | 276,377,000 | 277,094,000 | 338,640,000 |
| Securities held to maturity | 1,189,000 | 1,191,000 | 1,193,000 | 1,196,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 682,671,000 | 712,517,000 | 708,628,000 | 758,590,000 |
| Interest-bearing deposits | 508,921,000 | 544,574,000 | 540,922,000 | 584,036,000 |
| Noninterest-bearing deposits | 173,750,000 | 167,943,000 | 167,706,000 | 174,554,000 |
| Equity capital | 97,300,000 | 95,322,000 | 89,941,000 | 92,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 11,568,000 | 22,642,000 | 33,928,000 | 45,270,000 |
| Interest expense | 2,820,000 | 4,957,000 | 7,145,000 | 9,312,000 |
| Net interest income | 8,748,000 | 17,685,000 | 26,783,000 | 35,958,000 |
| Noninterest income | 1,491,000 | 3,227,000 | 4,984,000 | 6,580,000 |
| Noninterest expense | 7,114,000 | 14,213,000 | 21,893,000 | 31,461,000 |
| Provision for loan losses | 225,000 | 875,000 | 13,080,000 | 20,294,000 |
| Pretax income | 3,370,000 | 6,294,000 | -3,373,000 | -9,639,000 |
| Income tax | 1,083,000 | 1,963,000 | -1,405,000 | -5,483,000 |
| Net income | 2,287,000 | 4,331,000 | -1,968,000 | -4,156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,653,000 | 96,697,000 | 90,399,000 | 88,210,000 |
| Total capital | 102,643,000 | 104,882,000 | 98,257,000 | 96,772,000 |
| Risk-weighted assets | 636,629,000 | 652,016,000 | 618,963,000 | 670,169,000 |
Machine access — free, no API key
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