Call reports 2007
RIVER CITY BANK, INC. — 2007
What RIVER CITY BANK, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 247,734,000 | 230,782,000 | 226,527,000 | 227,466,000 |
| Total loans | 188,190,000 | 175,608,000 | 165,672,000 | 162,532,000 |
| Allowance for loan losses | 3,537,000 | 2,574,000 | 2,475,000 | 2,564,000 |
| Securities available for sale | 27,614,000 | 35,573,000 | 41,691,000 | 48,978,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,329,000 | 189,781,000 | 185,969,000 | 188,123,000 |
| Interest-bearing deposits | 181,043,000 | 174,433,000 | 171,189,000 | 173,415,000 |
| Noninterest-bearing deposits | 25,286,000 | 15,348,000 | 14,780,000 | 14,708,000 |
| Equity capital | 34,243,000 | 34,522,000 | 34,945,000 | 35,447,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,501,000 | 9,486,000 | 13,668,000 | 17,818,000 |
| Interest expense | 2,008,000 | 3,916,000 | 5,838,000 | 7,688,000 |
| Net interest income | 3,493,000 | 5,570,000 | 7,830,000 | 10,130,000 |
| Noninterest income | 2,368,000 | 2,653,000 | 2,836,000 | 2,960,000 |
| Noninterest expense | 2,961,000 | 4,739,000 | 6,173,000 | 7,704,000 |
| Provision for loan losses | 955,000 | 935,000 | 1,399,000 | 1,603,000 |
| Pretax income | 1,945,000 | 2,549,000 | 3,094,000 | 3,786,000 |
| Income tax | 609,000 | 901,000 | 1,113,000 | 1,329,000 |
| Net income | 1,336,000 | 1,648,000 | 1,981,000 | 2,457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,372,000 | 34,684,000 | 35,017,000 | 35,493,000 |
| Total capital | 36,152,000 | 36,345,000 | 36,606,000 | 37,075,000 |
| Risk-weighted assets | 140,681,000 | 131,938,000 | 126,240,000 | 125,622,000 |