Call reports 2009
RIVER CITY BANK, INC. — 2009
What RIVER CITY BANK, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 251,427,000 | 250,025,000 | 247,031,000 | 242,855,000 |
| Total loans | 160,719,000 | 156,047,000 | 153,817,000 | 151,984,000 |
| Allowance for loan losses | 3,826,000 | 2,599,000 | 2,601,000 | 2,600,000 |
| Securities available for sale | 65,523,000 | 49,767,000 | 45,441,000 | 45,933,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,578,000 | 208,237,000 | 205,703,000 | 202,437,000 |
| Interest-bearing deposits | 190,017,000 | 192,131,000 | 191,360,000 | 188,257,000 |
| Noninterest-bearing deposits | 19,561,000 | 16,106,000 | 14,343,000 | 14,180,000 |
| Equity capital | 37,300,000 | 37,467,000 | 37,880,000 | 38,090,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,393,000 | 7,596,000 | 10,900,000 | 13,937,000 |
| Interest expense | 1,149,000 | 2,020,000 | 2,734,000 | 3,400,000 |
| Net interest income | 3,244,000 | 5,576,000 | 8,166,000 | 10,537,000 |
| Noninterest income | 2,429,000 | 2,179,000 | 2,425,000 | 2,553,000 |
| Noninterest expense | 3,538,000 | 5,593,000 | 7,159,000 | 8,858,000 |
| Provision for loan losses | 1,472,000 | 1,319,000 | 1,750,000 | 2,542,000 |
| Pretax income | 663,000 | 843,000 | 1,682,000 | 1,690,000 |
| Income tax | 209,000 | 284,000 | 561,000 | 583,000 |
| Net income | 454,000 | 559,000 | 1,121,000 | 1,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,310,000 | 37,415,000 | 37,977,000 | 37,963,000 |
| Total capital | 38,925,000 | 38,992,000 | 39,507,000 | 39,483,000 |
| Risk-weighted assets | 126,918,000 | 125,138,000 | 121,311,000 | 120,548,000 |