Call reports 2005
RIVER CITY BANK, INC. — 2005
What RIVER CITY BANK, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 219,669,000 | 214,604,000 | 224,358,000 | 227,972,000 |
| Total loans | 157,003,000 | 165,067,000 | 168,886,000 | 175,159,000 |
| Allowance for loan losses | 1,803,000 | 496,000 | 496,000 | 510,000 |
| Securities available for sale | 43,415,000 | 32,989,000 | 34,433,000 | 31,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,585,000 | 176,414,000 | 186,290,000 | 190,565,000 |
| Interest-bearing deposits | 163,851,000 | 163,494,000 | 170,160,000 | 172,157,000 |
| Noninterest-bearing deposits | 17,734,000 | 12,920,000 | 16,131,000 | 18,408,000 |
| Equity capital | 29,285,000 | 30,478,000 | 31,150,000 | 32,216,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,727,000 | 8,137,000 | 11,550,000 | 15,642,000 |
| Interest expense | 1,061,000 | 2,251,000 | 3,639,000 | 5,121,000 |
| Net interest income | 3,666,000 | 5,886,000 | 7,911,000 | 10,521,000 |
| Noninterest income | 2,562,000 | 3,157,000 | 3,362,000 | 3,766,000 |
| Noninterest expense | 2,923,000 | 4,578,000 | 5,736,000 | 7,067,000 |
| Provision for loan losses | 1,235,000 | 642,000 | 597,000 | 566,000 |
| Pretax income | 2,070,000 | 3,823,000 | 4,940,000 | 6,654,000 |
| Income tax | 774,000 | 1,332,000 | 1,736,000 | 2,298,000 |
| Net income | 1,296,000 | 2,491,000 | 3,204,000 | 4,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,453,000 | 30,647,000 | 31,360,000 | 32,512,000 |
| Total capital | 30,952,000 | 31,143,000 | 31,856,000 | 33,022,000 |
| Risk-weighted assets | 119,654,000 | 121,128,000 | 125,353,000 | 129,257,000 |