Call reports 2004
RIVER CITY BANK, INC. — 2004
What RIVER CITY BANK, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 199,483,000 | 196,285,000 | 199,735,000 | 209,049,000 |
| Total loans | 139,550,000 | 140,177,000 | 145,255,000 | 145,688,000 |
| Allowance for loan losses | 1,850,000 | 486,000 | 488,000 | 488,000 |
| Securities available for sale | 40,322,000 | 39,637,000 | 33,602,000 | 42,910,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,741,000 | 160,183,000 | 165,188,000 | 174,885,000 |
| Interest-bearing deposits | 150,310,000 | 148,360,000 | 152,481,000 | 160,311,000 |
| Noninterest-bearing deposits | 14,431,000 | 11,823,000 | 12,707,000 | 14,574,000 |
| Equity capital | 25,267,000 | 25,997,000 | 27,221,000 | 28,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,711,000 | 6,629,000 | 10,022,000 | 13,530,000 |
| Interest expense | 670,000 | 1,319,000 | 2,161,000 | 3,115,000 |
| Net interest income | 3,041,000 | 5,310,000 | 7,861,000 | 10,415,000 |
| Noninterest income | 2,585,000 | 3,118,000 | 3,491,000 | 3,852,000 |
| Noninterest expense | 1,983,000 | 3,556,000 | 5,071,000 | 6,528,000 |
| Provision for loan losses | 1,268,000 | 745,000 | 706,000 | 692,000 |
| Pretax income | 2,375,000 | 4,127,000 | 5,575,000 | 7,047,000 |
| Income tax | 842,000 | 1,448,000 | 1,953,000 | 2,476,000 |
| Net income | 1,533,000 | 2,679,000 | 3,622,000 | 4,571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,118,000 | 26,264,000 | 27,207,000 | 28,156,000 |
| Total capital | 26,460,000 | 26,750,000 | 27,695,000 | 28,644,000 |
| Risk-weighted assets | 106,864,000 | 105,629,000 | 108,292,000 | 110,352,000 |