Call reports 2003
RIVER CITY BANK, INC. — 2003
What RIVER CITY BANK, INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 235,452,000 | 218,321,000 | 211,642,000 | 199,100,000 |
| Total loans | 122,842,000 | 126,173,000 | 132,628,000 | 131,636,000 |
| Allowance for loan losses | 1,968,000 | 373,000 | 384,000 | 385,000 |
| Securities available for sale | 93,420,000 | 72,787,000 | 57,165,000 | 44,487,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,350,000 | 182,413,000 | 175,673,000 | 168,632,000 |
| Interest-bearing deposits | 178,029,000 | 167,162,000 | 160,835,000 | 154,253,000 |
| Noninterest-bearing deposits | 19,321,000 | 15,251,000 | 14,838,000 | 14,379,000 |
| Equity capital | 26,294,000 | 26,698,000 | 27,702,000 | 23,746,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,368,000 | 7,137,000 | 10,513,000 | 13,906,000 |
| Interest expense | 1,026,000 | 1,805,000 | 2,538,000 | 3,231,000 |
| Net interest income | 3,342,000 | 5,332,000 | 7,975,000 | 10,675,000 |
| Noninterest income | 2,510,000 | 3,097,000 | 3,443,000 | 3,813,000 |
| Noninterest expense | 1,916,000 | 3,429,000 | 4,706,000 | 6,226,000 |
| Provision for loan losses | 1,209,000 | 1,818,000 | 1,600,000 | 1,556,000 |
| Pretax income | 2,727,000 | 3,182,000 | 5,112,000 | 6,706,000 |
| Income tax | 999,000 | 1,089,000 | 1,778,000 | 2,310,000 |
| Net income | 1,728,000 | 2,093,000 | 3,334,000 | 4,396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,917,000 | 26,283,000 | 27,523,000 | 23,585,000 |
| Total capital | 27,263,000 | 26,656,000 | 27,907,000 | 23,970,000 |
| Risk-weighted assets | 107,102,000 | 103,873,000 | 106,863,000 | 103,178,000 |