Call reports 2005
RIVER CITIES BANK — 2005
What RIVER CITIES BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 150,642,000 | 158,080,000 | 158,903,000 | 162,441,000 |
| Total loans | 105,309,000 | 108,977,000 | 111,847,000 | 115,521,000 |
| Allowance for loan losses | 1,795,000 | 1,837,000 | 1,910,000 | 2,014,000 |
| Securities available for sale | 35,282,000 | 35,592,000 | 36,231,000 | 36,784,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,428,000 | 135,771,000 | 138,173,000 | 140,713,000 |
| Interest-bearing deposits | 117,866,000 | 126,056,000 | 128,204,000 | 131,561,000 |
| Noninterest-bearing deposits | 7,562,000 | 9,715,000 | 9,969,000 | 9,152,000 |
| Equity capital | 13,425,000 | 13,914,000 | 14,177,000 | 14,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,916,000 | 3,956,000 | 6,165,000 | 8,479,000 |
| Interest expense | 748,000 | 1,606,000 | 2,527,000 | 3,526,000 |
| Net interest income | 1,168,000 | 2,350,000 | 3,638,000 | 4,953,000 |
| Noninterest income | 176,000 | 407,000 | 643,000 | 846,000 |
| Noninterest expense | 700,000 | 1,390,000 | 2,153,000 | 2,883,000 |
| Provision for loan losses | 32,000 | 74,000 | 146,000 | 251,000 |
| Pretax income | 612,000 | 1,293,000 | 1,982,000 | 2,665,000 |
| Income tax | 189,000 | 404,000 | 617,000 | 825,000 |
| Net income | 423,000 | 889,000 | 1,365,000 | 1,840,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,449,000 | 13,739,000 | 14,215,000 | 14,691,000 |
| Total capital | 14,866,000 | 15,344,000 | 15,861,000 | 16,380,000 |
| Risk-weighted assets | 121,045,000 | 126,050,000 | 131,443,000 | 134,812,000 |
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