Call reports 2008
RIVER CITY BANK, INC. — 2008
What RIVER CITY BANK, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 248,072,000 | 252,013,000 | 234,692,000 | 228,032,000 |
| Total loans | 160,419,000 | 158,699,000 | 155,536,000 | 158,108,000 |
| Allowance for loan losses | 3,585,000 | 2,591,000 | 2,593,000 | 2,590,000 |
| Securities available for sale | 59,870,000 | 75,675,000 | 62,008,000 | 42,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,407,000 | 210,218,000 | 191,338,000 | 188,070,000 |
| Interest-bearing deposits | 184,756,000 | 196,783,000 | 177,572,000 | 174,636,000 |
| Noninterest-bearing deposits | 21,651,000 | 13,435,000 | 13,766,000 | 13,434,000 |
| Equity capital | 35,818,000 | 36,172,000 | 36,543,000 | 36,865,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,482,000 | 8,388,000 | 12,257,000 | 15,937,000 |
| Interest expense | 1,769,000 | 3,274,000 | 4,637,000 | 5,797,000 |
| Net interest income | 2,713,000 | 5,114,000 | 7,620,000 | 10,140,000 |
| Noninterest income | 2,230,000 | 2,680,000 | 2,844,000 | 2,353,000 |
| Noninterest expense | 3,382,000 | 5,477,000 | 6,977,000 | 8,463,000 |
| Provision for loan losses | 1,156,000 | 1,021,000 | 1,642,000 | 1,937,000 |
| Pretax income | 405,000 | 1,298,000 | 1,847,000 | 2,095,000 |
| Income tax | 137,000 | 456,000 | 630,000 | 732,000 |
| Net income | 268,000 | 842,000 | 1,217,000 | 1,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,761,000 | 36,335,000 | 36,710,000 | 36,856,000 |
| Total capital | 37,388,000 | 37,937,000 | 38,254,000 | 38,390,000 |
| Risk-weighted assets | 128,215,000 | 127,245,000 | 122,465,000 | 121,608,000 |