Call reports 2010
RIVER CITY BANK, INC. — 2010
What RIVER CITY BANK, INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 257,465,000 | 260,932,000 | 263,818,000 | 261,715,000 |
| Total loans | 153,173,000 | 151,356,000 | 150,020,000 | 147,971,000 |
| Allowance for loan losses | 3,487,000 | 2,603,000 | 2,600,000 | 2,600,000 |
| Securities available for sale | 56,486,000 | 65,760,000 | 71,542,000 | 66,661,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,650,000 | 217,404,000 | 219,724,000 | 218,203,000 |
| Interest-bearing deposits | 194,988,000 | 200,515,000 | 201,636,000 | 202,177,000 |
| Noninterest-bearing deposits | 19,662,000 | 16,889,000 | 18,088,000 | 16,026,000 |
| Equity capital | 40,117,000 | 40,960,000 | 41,481,000 | 41,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,346,000 | 7,613,000 | 10,873,000 | 13,945,000 |
| Interest expense | 643,000 | 1,308,000 | 1,917,000 | 2,488,000 |
| Net interest income | 3,703,000 | 6,305,000 | 8,956,000 | 11,457,000 |
| Noninterest income | 3,008,000 | 3,319,000 | 3,612,000 | 3,578,000 |
| Noninterest expense | 2,820,000 | 5,089,000 | 6,967,000 | 9,325,000 |
| Provision for loan losses | 798,000 | 431,000 | 539,000 | 620,000 |
| Pretax income | 3,093,000 | 4,104,000 | 5,062,000 | 5,090,000 |
| Income tax | 1,064,000 | 1,395,000 | 1,708,000 | 1,732,000 |
| Net income | 2,029,000 | 2,709,000 | 3,354,000 | 3,358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,992,000 | 40,672,000 | 41,317,000 | 41,321,000 |
| Total capital | 41,524,000 | 42,178,000 | 42,806,000 | 42,799,000 |
| Risk-weighted assets | 120,487,000 | 119,351,000 | 117,996,000 | 117,125,000 |