Call reports 2011
RIVER CITY BANK — 2011
What RIVER CITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 1,044,087,000 | 1,039,764,000 | 1,082,104,000 | 1,119,755,000 |
| Total loans | 519,095,000 | 549,745,000 | 580,509,000 | 574,206,000 |
| Allowance for loan losses | 24,709,000 | 24,733,000 | 25,080,000 | 24,962,000 |
| Securities available for sale | 423,265,000 | 401,831,000 | 370,097,000 | 429,198,000 |
| Securities held to maturity | 1,700,000 | 1,700,000 | 1,700,000 | 1,700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 854,250,000 | 840,260,000 | 870,445,000 | 900,059,000 |
| Interest-bearing deposits | 644,153,000 | 637,594,000 | 665,576,000 | 662,037,000 |
| Noninterest-bearing deposits | 210,097,000 | 202,666,000 | 204,869,000 | 238,022,000 |
| Equity capital | 115,771,000 | 120,232,000 | 123,356,000 | 124,209,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 10,406,000 | 21,089,000 | 31,932,000 | 42,583,000 |
| Interest expense | 1,167,000 | 2,210,000 | 3,197,000 | 4,095,000 |
| Net interest income | 9,239,000 | 18,879,000 | 28,735,000 | 38,488,000 |
| Noninterest income | 3,560,000 | 5,567,000 | 7,072,000 | 8,704,000 |
| Noninterest expense | 7,204,000 | 13,426,000 | 19,632,000 | 26,787,000 |
| Provision for loan losses | 1,000,000 | 2,500,000 | 3,500,000 | 4,028,000 |
| Pretax income | 4,675,000 | 8,622,000 | 12,777,000 | 16,508,000 |
| Income tax | 1,414,000 | 3,143,000 | 4,740,000 | 5,888,000 |
| Net income | 3,261,000 | 5,479,000 | 8,037,000 | 10,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 106,638,000 | 110,270,000 | 112,872,000 | 114,971,000 |
| Total capital | 115,021,000 | 118,708,000 | 121,588,000 | 123,672,000 |
| Risk-weighted assets | 653,902,000 | 658,377,000 | 680,507,000 | 679,400,000 |