Call reports 2012
RIVER CITIES BANK — 2012
What RIVER CITIES BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 188,965,000 | 195,419,000 | 188,319,000 | 187,415,000 |
| Total loans | 128,641,000 | 136,780,000 | 131,622,000 | 129,706,000 |
| Allowance for loan losses | 3,315,000 | 3,418,000 | 3,494,000 | 3,556,000 |
| Securities available for sale | 39,339,000 | 39,101,000 | 37,646,000 | 35,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,588,000 | 153,969,000 | 151,004,000 | 157,909,000 |
| Interest-bearing deposits | 133,602,000 | 133,673,000 | 133,155,000 | 135,735,000 |
| Noninterest-bearing deposits | 17,986,000 | 20,296,000 | 17,849,000 | 22,174,000 |
| Equity capital | 24,165,000 | 24,871,000 | 25,602,000 | 25,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,066,000 | 4,174,000 | 6,257,000 | 8,359,000 |
| Interest expense | 456,000 | 881,000 | 1,226,000 | 1,521,000 |
| Net interest income | 1,610,000 | 3,293,000 | 5,031,000 | 6,838,000 |
| Noninterest income | 300,000 | 679,000 | 1,056,000 | 1,434,000 |
| Noninterest expense | 1,070,000 | 2,167,000 | 3,201,000 | 4,290,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 575,000 |
| Pretax income | 804,000 | 1,696,000 | 2,740,000 | 3,486,000 |
| Income tax | 250,000 | 537,000 | 886,000 | 1,069,000 |
| Net income | 554,000 | 1,159,000 | 1,854,000 | 2,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,894,000 | 23,498,000 | 24,198,000 | 24,260,000 |
| Total capital | 24,816,000 | 25,471,000 | 26,078,000 | 26,151,000 |
| Risk-weighted assets | 140,855,000 | 144,245,000 | 139,022,000 | 137,906,000 |