Call reports 2012
RIVER CITY BANK — 2012
What RIVER CITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,115,213,000 | 1,080,959,000 | 1,114,723,000 | 1,178,540,000 |
| Total loans | 579,932,000 | 595,315,000 | 605,670,000 | 628,276,000 |
| Allowance for loan losses | 24,808,000 | 24,609,000 | 25,935,000 | 24,159,000 |
| Securities available for sale | 420,586,000 | 382,041,000 | 383,743,000 | 423,018,000 |
| Securities held to maturity | 3,403,000 | 1,702,000 | 1,702,000 | 1,702,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 904,625,000 | 874,568,000 | 907,943,000 | 943,450,000 |
| Interest-bearing deposits | 678,736,000 | 670,290,000 | 693,405,000 | 703,191,000 |
| Noninterest-bearing deposits | 225,889,000 | 204,278,000 | 214,538,000 | 240,259,000 |
| Equity capital | 126,481,000 | 128,898,000 | 131,124,000 | 132,026,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 10,470,000 | 20,988,000 | 31,332,000 | 42,042,000 |
| Interest expense | 775,000 | 1,420,000 | 1,994,000 | 2,499,000 |
| Net interest income | 9,695,000 | 19,568,000 | 29,338,000 | 39,543,000 |
| Noninterest income | 1,226,000 | 2,916,000 | 4,179,000 | 5,691,000 |
| Noninterest expense | 5,943,000 | 13,168,000 | 19,030,000 | 25,330,000 |
| Provision for loan losses | 1,000,000 | 1,200,000 | 1,200,000 | 1,200,000 |
| Pretax income | 3,978,000 | 8,116,000 | 13,286,000 | 18,711,000 |
| Income tax | 1,453,000 | 3,032,000 | 4,993,000 | 7,058,000 |
| Net income | 2,525,000 | 5,084,000 | 8,293,000 | 11,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 117,334,000 | 119,826,000 | 121,434,000 | 124,957,000 |
| Total capital | 126,172,000 | 128,807,000 | 130,477,000 | 134,357,000 |
| Risk-weighted assets | 690,662,000 | 702,419,000 | 706,890,000 | 737,359,000 |