Call reports 2014
RIVER CITY BANK — 2014
What RIVER CITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,225,709,000 | 1,214,457,000 | 1,245,291,000 | 1,276,101,000 |
| Total loans | 689,264,000 | 690,540,000 | 720,907,000 | 766,819,000 |
| Allowance for loan losses | 21,250,000 | 21,699,000 | 21,716,000 | 22,042,000 |
| Securities available for sale | 433,426,000 | 424,083,000 | 420,822,000 | 424,946,000 |
| Securities held to maturity | 1,702,000 | 1,702,000 | 1,701,000 | 1,701,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 975,412,000 | 967,621,000 | 997,715,000 | 1,002,824,000 |
| Interest-bearing deposits | 728,768,000 | 726,081,000 | 733,154,000 | 736,300,000 |
| Noninterest-bearing deposits | 246,644,000 | 241,540,000 | 264,561,000 | 266,524,000 |
| Equity capital | 140,565,000 | 143,124,000 | 144,754,000 | 148,114,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 9,870,000 | 19,452,000 | 29,184,000 | 39,290,000 |
| Interest expense | 710,000 | 1,440,000 | 2,179,000 | 2,931,000 |
| Net interest income | 9,160,000 | 18,012,000 | 27,005,000 | 36,359,000 |
| Noninterest income | 1,294,000 | 2,173,000 | 4,167,000 | 4,400,000 |
| Noninterest expense | 5,871,000 | 11,534,000 | 17,676,000 | 23,859,000 |
| Provision for loan losses | 0 | 0 | 0 | -2,700,000 |
| Pretax income | 4,583,000 | 8,651,000 | 13,500,000 | 19,604,000 |
| Income tax | 1,806,000 | 3,353,000 | 5,276,000 | 7,755,000 |
| Net income | 2,777,000 | 5,298,000 | 8,224,000 | 11,849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 136,405,000 | 139,281,000 | 141,848,000 | 145,343,000 |
| Total capital | 146,705,000 | 149,619,000 | 152,569,000 | 156,599,000 |
| Risk-weighted assets | 812,616,000 | 815,301,000 | 846,295,000 | 889,282,000 |
Machine access — free, no API key
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