Call reports 2009
RIVER CITY BANK — 2009
What RIVER CITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 994,276,000 | 1,020,208,000 | 1,015,865,000 | 1,031,869,000 |
| Total loans | 513,012,000 | 508,059,000 | 512,219,000 | 509,015,000 |
| Allowance for loan losses | 28,818,000 | 26,837,000 | 22,662,000 | 21,566,000 |
| Securities available for sale | 402,794,000 | 434,875,000 | 390,373,000 | 391,004,000 |
| Securities held to maturity | 1,198,000 | 1,701,000 | 1,701,000 | 1,701,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 855,193,000 | 875,960,000 | 828,793,000 | 879,298,000 |
| Interest-bearing deposits | 684,801,000 | 709,523,000 | 652,864,000 | 693,692,000 |
| Noninterest-bearing deposits | 170,392,000 | 166,437,000 | 175,929,000 | 185,606,000 |
| Equity capital | 89,365,000 | 88,863,000 | 91,053,000 | 88,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 11,185,000 | 22,493,000 | 34,223,000 | 45,624,000 |
| Interest expense | 2,112,000 | 4,234,000 | 6,041,000 | 7,946,000 |
| Net interest income | 9,073,000 | 18,259,000 | 28,182,000 | 37,678,000 |
| Noninterest income | 1,460,000 | 3,351,000 | 5,137,000 | 6,663,000 |
| Noninterest expense | 8,473,000 | 16,420,000 | 24,576,000 | 32,732,000 |
| Provision for loan losses | 11,022,000 | 13,922,000 | 17,522,000 | 23,614,000 |
| Pretax income | -9,740,000 | -9,477,000 | -8,116,000 | -11,330,000 |
| Income tax | -5,686,000 | -5,533,000 | -4,447,000 | -5,584,000 |
| Net income | -4,054,000 | -3,944,000 | -3,669,000 | -5,746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,156,000 | 83,866,000 | 80,269,000 | 74,165,000 |
| Total capital | 93,128,000 | 92,832,000 | 89,097,000 | 82,921,000 |
| Risk-weighted assets | 697,749,000 | 699,034,000 | 692,004,000 | 687,283,000 |
Machine access — free, no API key
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