Call reports 2015
RIVER CITY BANK — 2015
What RIVER CITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,305,978,000 | 1,321,066,000 | 1,421,678,000 | 1,517,662,000 |
| Total loans | 785,787,000 | 800,843,000 | 894,526,000 | 971,892,000 |
| Allowance for loan losses | 22,089,000 | 22,870,000 | 23,018,000 | 23,962,000 |
| Securities available for sale | 433,405,000 | 433,057,000 | 451,919,000 | 453,422,000 |
| Securities held to maturity | 1,701,000 | 1,701,000 | 1,701,000 | 1,701,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 993,471,000 | 1,002,984,000 | 1,055,988,000 | 1,137,417,000 |
| Interest-bearing deposits | 737,443,000 | 740,532,000 | 786,648,000 | 856,606,000 |
| Noninterest-bearing deposits | 256,028,000 | 262,452,000 | 269,340,000 | 280,811,000 |
| Equity capital | 150,852,000 | 153,398,000 | 155,763,000 | 157,905,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 9,758,000 | 19,980,000 | 30,821,000 | 42,256,000 |
| Interest expense | 809,000 | 1,654,000 | 2,540,000 | 3,470,000 |
| Net interest income | 8,949,000 | 18,326,000 | 28,281,000 | 38,786,000 |
| Noninterest income | 1,284,000 | 3,482,000 | 4,339,000 | 6,663,000 |
| Noninterest expense | 6,332,000 | 11,464,000 | 18,468,000 | 23,851,000 |
| Provision for loan losses | 0 | 0 | 0 | 900,000 |
| Pretax income | 3,901,000 | 10,344,000 | 14,155,000 | 20,701,000 |
| Income tax | 1,533,000 | 4,087,000 | 5,577,000 | 8,157,000 |
| Net income | 2,368,000 | 6,257,000 | 8,578,000 | 12,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 147,463,000 | 151,098,000 | 153,060,000 | 156,918,000 |
| Total capital | 159,305,000 | 163,109,000 | 166,212,000 | 171,116,000 |
| Risk-weighted assets | 936,993,000 | 949,793,000 | 1,042,129,000 | 1,125,869,000 |