Call reports 2001
RIVER CITY BANK, INC. — 2001
What RIVER CITY BANK, INC. reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 196,888,000 | 192,722,000 | 190,010,000 | 207,312,000 |
| Total loans | 96,631,000 | 95,569,000 | 97,342,000 | 99,032,000 |
| Allowance for loan losses | 2,517,000 | 354,000 | 360,000 | 360,000 |
| Securities available for sale | 83,121,000 | 78,158,000 | 71,932,000 | 92,689,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,246,000 | 167,175,000 | 164,599,000 | 182,526,000 |
| Interest-bearing deposits | 157,469,000 | 155,279,000 | 151,684,000 | 168,860,000 |
| Noninterest-bearing deposits | 15,777,000 | 11,896,000 | 12,915,000 | 13,666,000 |
| Equity capital | 18,109,000 | 18,697,000 | 19,591,000 | 19,871,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 4,637,000 | 7,910,000 | 11,522,000 | 14,571,000 |
| Interest expense | 2,156,000 | 4,109,000 | 5,793,000 | 7,318,000 |
| Net interest income | 2,481,000 | 3,801,000 | 5,729,000 | 7,253,000 |
| Noninterest income | 2,803,000 | 3,288,000 | 3,603,000 | 3,870,000 |
| Noninterest expense | 1,629,000 | 2,849,000 | 4,135,000 | 5,326,000 |
| Provision for loan losses | 1,842,000 | 1,553,000 | 1,395,000 | 1,263,000 |
| Pretax income | 1,813,000 | 2,687,000 | 3,802,000 | 4,534,000 |
| Income tax | 616,000 | 924,000 | 1,276,000 | 1,576,000 |
| Net income | 1,197,000 | 1,763,000 | 2,526,000 | 2,958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,013,000 | 18,579,000 | 19,342,000 | 19,774,000 |
| Total capital | 19,117,000 | 18,933,000 | 19,702,000 | 20,134,000 |
| Risk-weighted assets | 86,933,000 | 86,945,000 | 86,588,000 | 89,999,000 |