Call reports 2002
RIVER CITY BANK, INC. — 2002
What RIVER CITY BANK, INC. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 201,615,000 | 205,802,000 | 226,306,000 | 224,936,000 |
| Total loans | 105,807,000 | 109,686,000 | 114,419,000 | 119,589,000 |
| Allowance for loan losses | 1,959,000 | 362,000 | 364,000 | 371,000 |
| Securities available for sale | 75,524,000 | 74,754,000 | 90,144,000 | 87,051,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,751,000 | 176,711,000 | 196,750,000 | 195,369,000 |
| Interest-bearing deposits | 151,418,000 | 160,852,000 | 183,282,000 | 181,234,000 |
| Noninterest-bearing deposits | 21,333,000 | 15,859,000 | 13,468,000 | 14,135,000 |
| Equity capital | 21,354,000 | 22,591,000 | 23,830,000 | 24,581,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,632,000 | 6,425,000 | 10,209,000 | 13,543,000 |
| Interest expense | 1,042,000 | 2,261,000 | 3,705,000 | 4,905,000 |
| Net interest income | 2,590,000 | 4,164,000 | 6,504,000 | 8,638,000 |
| Noninterest income | 2,435,000 | 2,895,000 | 3,190,000 | 3,643,000 |
| Noninterest expense | 1,635,000 | 2,801,000 | 4,030,000 | 5,431,000 |
| Provision for loan losses | 1,093,000 | 263,000 | 191,000 | 121,000 |
| Pretax income | 2,297,000 | 3,995,000 | 5,473,000 | 6,729,000 |
| Income tax | 747,000 | 1,351,000 | 1,857,000 | 2,314,000 |
| Net income | 1,550,000 | 2,644,000 | 3,616,000 | 4,415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,324,000 | 22,418,000 | 23,390,000 | 24,189,000 |
| Total capital | 22,486,000 | 22,780,000 | 23,754,000 | 24,560,000 |
| Risk-weighted assets | 92,188,000 | 94,064,000 | 100,662,000 | 102,874,000 |