Call reports 2017
RIVER CITIES BANK — 2017
What RIVER CITIES BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 237,594,000 | 244,508,000 | 240,510,000 | 248,583,000 |
| Total loans | 161,115,000 | 163,221,000 | 170,198,000 | 173,139,000 |
| Allowance for loan losses | 3,721,000 | 3,734,000 | 3,741,000 | 3,242,000 |
| Securities available for sale | 39,518,000 | 39,476,000 | 37,372,000 | 33,266,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,870,000 | 202,159,000 | 198,410,000 | 205,761,000 |
| Interest-bearing deposits | 150,192,000 | 169,384,000 | 166,060,000 | 173,453,000 |
| Noninterest-bearing deposits | 31,678,000 | 32,775,000 | 32,350,000 | 32,308,000 |
| Equity capital | 32,438,000 | 33,434,000 | 34,208,000 | 34,988,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,100,000 | 4,261,000 | 6,552,000 | 8,864,000 |
| Interest expense | 183,000 | 404,000 | 658,000 | 927,000 |
| Net interest income | 1,917,000 | 3,857,000 | 5,894,000 | 7,937,000 |
| Noninterest income | 184,000 | 390,000 | 626,000 | 835,000 |
| Noninterest expense | 1,094,000 | 2,200,000 | 3,307,000 | 4,340,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | -470,000 |
| Pretax income | 989,000 | 2,059,000 | 3,247,000 | 4,810,000 |
| Income tax | 299,000 | 629,000 | 980,000 | 1,706,000 |
| Net income | 690,000 | 1,430,000 | 2,267,000 | 3,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,324,000 | 33,126,000 | 33,964,000 | 34,765,000 |
| Total capital | 34,449,000 | 35,275,000 | 36,150,000 | 36,990,000 |
| Risk-weighted assets | 168,405,000 | 170,312,000 | 173,310,000 | 176,989,000 |