Call reports 2014
RIVER CITIES BANK — 2014
What RIVER CITIES BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 198,681,000 | 211,140,000 | 199,007,000 | 215,328,000 |
| Total loans | 138,451,000 | 137,831,000 | 135,544,000 | 137,952,000 |
| Allowance for loan losses | 3,711,000 | 3,709,000 | 3,781,000 | 3,681,000 |
| Securities available for sale | 33,035,000 | 32,723,000 | 32,407,000 | 31,507,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,457,000 | 176,959,000 | 169,052,000 | 185,443,000 |
| Interest-bearing deposits | 138,576,000 | 142,792,000 | 143,864,000 | 159,843,000 |
| Noninterest-bearing deposits | 25,881,000 | 34,167,000 | 25,188,000 | 25,600,000 |
| Equity capital | 26,655,000 | 26,742,000 | 27,249,000 | 27,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,891,000 | 3,813,000 | 5,695,000 | 7,553,000 |
| Interest expense | 243,000 | 479,000 | 706,000 | 930,000 |
| Net interest income | 1,648,000 | 3,334,000 | 4,989,000 | 6,623,000 |
| Noninterest income | 229,000 | 428,000 | 636,000 | 812,000 |
| Noninterest expense | 1,025,000 | 2,105,000 | 3,174,000 | 4,274,000 |
| Provision for loan losses | 81,000 | 162,000 | 162,000 | 162,000 |
| Pretax income | 791,000 | 1,523,000 | 2,292,000 | 3,042,000 |
| Income tax | 252,000 | 480,000 | 724,000 | 888,000 |
| Net income | 539,000 | 1,043,000 | 1,568,000 | 2,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,052,000 | 26,056,000 | 26,581,000 | 27,170,000 |
| Total capital | 27,927,000 | 27,947,000 | 28,421,000 | 29,084,000 |
| Risk-weighted assets | 146,151,000 | 147,541,000 | 143,190,000 | 149,331,000 |
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