Call reports 2016
RIVER CITY BANK — 2016
What RIVER CITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,529,615,000 | 1,634,076,000 | 1,671,755,000 | 1,814,902,000 |
| Total loans | 997,006,000 | 1,103,248,000 | 1,140,302,000 | 1,275,412,000 |
| Allowance for loan losses | 24,290,000 | 24,478,000 | 25,109,000 | 28,231,000 |
| Securities available for sale | 451,107,000 | 453,271,000 | 449,968,000 | 458,859,000 |
| Securities held to maturity | 1,701,000 | 1,700,000 | 1,700,000 | 1,700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,200,248,000 | 1,204,813,000 | 1,251,334,000 | 1,308,654,000 |
| Interest-bearing deposits | 930,025,000 | 910,083,000 | 961,507,000 | 1,002,857,000 |
| Noninterest-bearing deposits | 270,223,000 | 294,730,000 | 289,827,000 | 305,797,000 |
| Equity capital | 162,188,000 | 165,600,000 | 168,409,000 | 170,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 12,442,000 | 24,817,000 | 38,170,000 | 52,215,000 |
| Interest expense | 1,021,000 | 2,185,000 | 3,460,000 | 4,867,000 |
| Net interest income | 11,421,000 | 22,632,000 | 34,710,000 | 47,348,000 |
| Noninterest income | 1,248,000 | 3,037,000 | 4,271,000 | 6,453,000 |
| Noninterest expense | 7,860,000 | 15,096,000 | 20,965,000 | 24,889,000 |
| Provision for loan losses | 188,000 | 375,000 | 863,000 | 3,963,000 |
| Pretax income | 4,621,000 | 10,198,000 | 17,153,000 | 24,962,000 |
| Income tax | 1,860,000 | 4,126,000 | 6,964,000 | 10,062,000 |
| Net income | 2,761,000 | 6,072,000 | 10,189,000 | 14,900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 159,310,000 | 162,172,000 | 165,822,000 | 170,332,000 |
| Total capital | 173,620,000 | 177,587,000 | 181,892,000 | 188,211,000 |
| Risk-weighted assets | 1,134,648,000 | 1,224,069,000 | 1,276,377,000 | 1,419,803,000 |