Call reports 2008
RIVER CITIES BANK — 2008
What RIVER CITIES BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 194,402,000 | 192,965,000 | 195,204,000 | 193,415,000 |
| Total loans | 129,037,000 | 133,349,000 | 133,486,000 | 131,535,000 |
| Allowance for loan losses | 2,364,000 | 2,384,000 | 2,429,000 | 2,573,000 |
| Securities available for sale | 51,110,000 | 47,918,000 | 43,897,000 | 47,357,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,303,000 | 154,469,000 | 159,845,000 | 160,907,000 |
| Interest-bearing deposits | 144,001,000 | 144,094,000 | 149,192,000 | 148,273,000 |
| Noninterest-bearing deposits | 9,302,000 | 10,375,000 | 10,653,000 | 12,634,000 |
| Equity capital | 19,035,000 | 18,848,000 | 16,386,000 | 18,405,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,963,000 | 5,787,000 | 8,502,000 | 11,115,000 |
| Interest expense | 1,548,000 | 2,909,000 | 4,266,000 | 5,527,000 |
| Net interest income | 1,415,000 | 2,878,000 | 4,236,000 | 5,588,000 |
| Noninterest income | 219,000 | 444,000 | 637,000 | 869,000 |
| Noninterest expense | 940,000 | 1,820,000 | 2,704,000 | 3,569,000 |
| Provision for loan losses | 36,000 | 56,000 | 100,000 | 244,000 |
| Pretax income | 658,000 | 1,446,000 | -921,000 | -346,000 |
| Income tax | 187,000 | 411,000 | 588,000 | -423,000 |
| Net income | 471,000 | 1,035,000 | -1,509,000 | 77,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,452,000 | 18,864,000 | 16,267,000 | 17,582,000 |
| Total capital | 20,368,000 | 20,937,000 | 18,355,000 | 19,647,000 |
| Risk-weighted assets | 161,673,000 | 165,579,000 | 166,683,000 | 164,680,000 |
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