Call reports 2015
RIVER CITIES BANK — 2015
What RIVER CITIES BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 212,604,000 | 218,443,000 | 224,191,000 | 235,343,000 |
| Total loans | 142,033,000 | 149,843,000 | 154,441,000 | 147,810,000 |
| Allowance for loan losses | 3,707,000 | 3,729,000 | 3,747,000 | 3,668,000 |
| Securities available for sale | 34,922,000 | 33,901,000 | 34,551,000 | 34,408,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,315,000 | 182,720,000 | 178,148,000 | 203,660,000 |
| Interest-bearing deposits | 147,182,000 | 157,969,000 | 154,718,000 | 178,322,000 |
| Noninterest-bearing deposits | 25,133,000 | 24,751,000 | 23,430,000 | 25,338,000 |
| Equity capital | 28,497,000 | 28,864,000 | 29,140,000 | 29,819,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,901,000 | 3,896,000 | 5,938,000 | 8,105,000 |
| Interest expense | 180,000 | 353,000 | 507,000 | 659,000 |
| Net interest income | 1,721,000 | 3,543,000 | 5,431,000 | 7,446,000 |
| Noninterest income | 228,000 | 442,000 | 633,000 | 839,000 |
| Noninterest expense | 991,000 | 2,074,000 | 3,176,000 | 4,291,000 |
| Provision for loan losses | 23,000 | 45,000 | 67,000 | 115,000 |
| Pretax income | 943,000 | 1,881,000 | 2,843,000 | 3,912,000 |
| Income tax | 313,000 | 622,000 | 939,000 | 1,295,000 |
| Net income | 630,000 | 1,259,000 | 1,904,000 | 2,617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,052,000 | 27,680,000 | 27,825,000 | 29,334,000 |
| Total capital | 29,028,000 | 29,764,000 | 29,937,000 | 31,328,000 |
| Risk-weighted assets | 156,397,000 | 164,644,000 | 166,820,000 | 157,864,000 |