Call reports 2016
RIVER CITIES BANK — 2016
What RIVER CITIES BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 219,774,000 | 230,724,000 | 227,109,000 | 229,977,000 |
| Total loans | 151,201,000 | 160,544,000 | 157,521,000 | 158,566,000 |
| Allowance for loan losses | 3,706,000 | 3,703,000 | 3,762,000 | 3,693,000 |
| Securities available for sale | 33,938,000 | 34,872,000 | 34,899,000 | 34,961,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,708,000 | 176,181,000 | 173,771,000 | 186,875,000 |
| Interest-bearing deposits | 150,224,000 | 144,362,000 | 143,165,000 | 156,434,000 |
| Noninterest-bearing deposits | 25,484,000 | 31,819,000 | 30,606,000 | 30,441,000 |
| Equity capital | 30,658,000 | 31,518,000 | 31,614,000 | 31,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,162,000 | 4,212,000 | 6,343,000 | 8,450,000 |
| Interest expense | 151,000 | 311,000 | 467,000 | 625,000 |
| Net interest income | 2,011,000 | 3,901,000 | 5,876,000 | 7,825,000 |
| Noninterest income | 173,000 | 348,000 | 586,000 | 873,000 |
| Noninterest expense | 1,006,000 | 2,114,000 | 3,174,000 | 4,278,000 |
| Provision for loan losses | 38,000 | 98,000 | 158,000 | 263,000 |
| Pretax income | 1,185,000 | 2,082,000 | 3,175,000 | 4,202,000 |
| Income tax | 406,000 | 674,000 | 1,012,000 | 1,347,000 |
| Net income | 779,000 | 1,408,000 | 2,163,000 | 2,855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,173,000 | 30,741,000 | 30,996,000 | 31,742,000 |
| Total capital | 32,235,000 | 32,881,000 | 33,066,000 | 33,833,000 |
| Risk-weighted assets | 163,326,000 | 169,648,000 | 163,915,000 | 165,709,000 |