Call reports 2006
RIVER CITY BANK, INC. — 2006
What RIVER CITY BANK, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 233,507,000 | 234,114,000 | 254,739,000 | 236,468,000 |
| Total loans | 181,860,000 | 188,746,000 | 194,523,000 | 195,477,000 |
| Allowance for loan losses | 1,684,000 | 420,000 | 422,000 | 2,463,000 |
| Securities available for sale | 28,452,000 | 27,529,000 | 43,409,000 | 23,401,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,245,000 | 192,912,000 | 212,738,000 | 198,959,000 |
| Interest-bearing deposits | 168,589,000 | 177,556,000 | 197,986,000 | 183,270,000 |
| Noninterest-bearing deposits | 23,656,000 | 15,356,000 | 14,752,000 | 15,689,000 |
| Equity capital | 33,366,000 | 34,466,000 | 35,561,000 | 32,872,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,020,000 | 7,919,000 | 12,515,000 | 17,641,000 |
| Interest expense | 1,591,000 | 3,329,000 | 5,496,000 | 7,638,000 |
| Net interest income | 2,429,000 | 4,590,000 | 7,019,000 | 10,003,000 |
| Noninterest income | 2,526,000 | 2,996,000 | 3,477,000 | 3,778,000 |
| Noninterest expense | 2,004,000 | 3,659,000 | 5,089,000 | 7,396,000 |
| Provision for loan losses | 1,158,000 | 437,000 | 390,000 | 4,522,000 |
| Pretax income | 1,793,000 | 3,490,000 | 5,017,000 | 1,863,000 |
| Income tax | 644,000 | 1,213,000 | 1,737,000 | 1,339,000 |
| Net income | 1,149,000 | 2,277,000 | 3,280,000 | 524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,661,000 | 34,789,000 | 35,792,000 | 33,036,000 |
| Total capital | 35,339,000 | 35,209,000 | 36,214,000 | 34,797,000 |
| Risk-weighted assets | 133,832,000 | 136,859,000 | 145,240,000 | 140,175,000 |