Call reports 2013
RIVER CITIES BANK — 2013
What RIVER CITIES BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 187,194,000 | 190,870,000 | 201,991,000 | 200,436,000 |
| Total loans | 130,623,000 | 135,963,000 | 140,120,000 | 144,800,000 |
| Allowance for loan losses | 3,565,000 | 3,319,000 | 3,467,000 | 3,625,000 |
| Securities available for sale | 35,662,000 | 33,981,000 | 33,712,000 | 33,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,775,000 | 156,744,000 | 166,219,000 | 160,875,000 |
| Interest-bearing deposits | 130,510,000 | 136,022,000 | 142,963,000 | 133,580,000 |
| Noninterest-bearing deposits | 23,265,000 | 20,722,000 | 23,256,000 | 27,295,000 |
| Equity capital | 26,059,000 | 26,178,000 | 26,574,000 | 26,258,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,956,000 | 3,887,000 | 5,893,000 | 7,858,000 |
| Interest expense | 267,000 | 522,000 | 773,000 | 1,039,000 |
| Net interest income | 1,689,000 | 3,365,000 | 5,120,000 | 6,819,000 |
| Noninterest income | 325,000 | 626,000 | 986,000 | 1,267,000 |
| Noninterest expense | 1,085,000 | 2,177,000 | 3,267,000 | 4,382,000 |
| Provision for loan losses | 25,000 | 50,000 | 225,000 | 375,000 |
| Pretax income | 907,000 | 2,053,000 | 2,904,000 | 3,629,000 |
| Income tax | 295,000 | 688,000 | 944,000 | 1,107,000 |
| Net income | 612,000 | 1,365,000 | 1,960,000 | 2,522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,873,000 | 25,625,000 | 25,958,000 | 25,769,000 |
| Total capital | 26,820,000 | 27,549,000 | 27,849,000 | 27,838,000 |
| Risk-weighted assets | 138,998,000 | 144,497,000 | 149,722,000 | 156,330,000 |
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