Call reports 2013
RIVER CITY BANK — 2013
What RIVER CITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,168,741,000 | 1,168,223,000 | 1,193,420,000 | 1,234,859,000 |
| Total loans | 626,471,000 | 622,575,000 | 630,164,000 | 707,571,000 |
| Allowance for loan losses | 23,909,000 | 24,822,000 | 25,169,000 | 25,277,000 |
| Securities available for sale | 420,010,000 | 425,059,000 | 452,091,000 | 441,233,000 |
| Securities held to maturity | 1,702,000 | 1,702,000 | 1,702,000 | 1,702,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 931,413,000 | 914,544,000 | 940,715,000 | 959,782,000 |
| Interest-bearing deposits | 705,376,000 | 693,027,000 | 702,438,000 | 710,904,000 |
| Noninterest-bearing deposits | 226,037,000 | 221,517,000 | 238,277,000 | 248,878,000 |
| Equity capital | 133,704,000 | 132,286,000 | 135,437,000 | 137,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 9,741,000 | 19,514,000 | 29,804,000 | 40,058,000 |
| Interest expense | 528,000 | 1,087,000 | 1,686,000 | 2,310,000 |
| Net interest income | 9,213,000 | 18,427,000 | 28,118,000 | 37,748,000 |
| Noninterest income | 1,127,000 | 2,964,000 | 4,223,000 | 5,614,000 |
| Noninterest expense | 5,928,000 | 12,397,000 | 18,320,000 | 24,023,000 |
| Provision for loan losses | 400,000 | 400,000 | 400,000 | 400,000 |
| Pretax income | 4,037,000 | 8,619,000 | 13,646,000 | 18,964,000 |
| Income tax | 1,519,000 | 3,319,000 | 5,274,000 | 7,479,000 |
| Net income | 2,518,000 | 5,300,000 | 8,372,000 | 11,485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 127,225,000 | 129,176,000 | 131,940,000 | 134,837,000 |
| Total capital | 136,599,000 | 138,614,000 | 141,660,000 | 145,449,000 |
| Risk-weighted assets | 734,986,000 | 739,278,000 | 761,740,000 | 834,137,000 |