Call reports 2009
RIVER CITIES BANK — 2009
What RIVER CITIES BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 188,038,000 | 184,085,000 | 186,020,000 | 186,930,000 |
| Total loans | 129,292,000 | 124,493,000 | 131,111,000 | 130,921,000 |
| Allowance for loan losses | 2,475,000 | 2,200,000 | 2,540,000 | 2,266,000 |
| Securities available for sale | 39,089,000 | 44,121,000 | 44,742,000 | 38,346,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,537,000 | 153,526,000 | 152,618,000 | 155,815,000 |
| Interest-bearing deposits | 142,593,000 | 139,847,000 | 139,986,000 | 142,435,000 |
| Noninterest-bearing deposits | 12,944,000 | 13,679,000 | 12,632,000 | 13,380,000 |
| Equity capital | 18,367,000 | 18,644,000 | 19,535,000 | 19,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,530,000 | 4,916,000 | 7,330,000 | 9,736,000 |
| Interest expense | 1,129,000 | 2,162,000 | 3,100,000 | 4,085,000 |
| Net interest income | 1,401,000 | 2,754,000 | 4,230,000 | 5,651,000 |
| Noninterest income | 370,000 | 708,000 | 962,000 | 1,238,000 |
| Noninterest expense | 968,000 | 2,084,000 | 3,087,000 | 3,973,000 |
| Provision for loan losses | 642,000 | 872,000 | 1,322,000 | 1,987,000 |
| Pretax income | 504,000 | 885,000 | 1,173,000 | 1,431,000 |
| Income tax | 136,000 | 211,000 | 253,000 | 276,000 |
| Net income | 368,000 | 674,000 | 920,000 | 1,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,781,000 | 18,148,000 | 18,486,000 | 18,671,000 |
| Total capital | 19,780,000 | 20,063,000 | 20,455,000 | 20,658,000 |
| Risk-weighted assets | 159,467,000 | 152,905,000 | 156,930,000 | 158,647,000 |
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