Call reports 2011
RIVER CITY BANK, INC. — 2011
What RIVER CITY BANK, INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 278,216,000 | 271,742,000 | 273,561,000 | 270,305,000 |
| Total loans | 148,453,000 | 150,552,000 | 147,347,000 | 145,586,000 |
| Allowance for loan losses | 2,710,000 | 2,601,000 | 2,605,000 | 2,600,000 |
| Securities available for sale | 63,828,000 | 72,431,000 | 82,401,000 | 79,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,468,000 | 224,310,000 | 225,947,000 | 223,824,000 |
| Interest-bearing deposits | 207,820,000 | 206,100,000 | 207,196,000 | 205,440,000 |
| Noninterest-bearing deposits | 21,648,000 | 18,210,000 | 18,751,000 | 18,384,000 |
| Equity capital | 45,019,000 | 45,446,000 | 45,621,000 | 45,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,270,000 | 6,536,000 | 9,797,000 | 12,889,000 |
| Interest expense | 528,000 | 1,008,000 | 1,441,000 | 1,823,000 |
| Net interest income | 2,742,000 | 5,528,000 | 8,356,000 | 11,066,000 |
| Noninterest income | 5,522,000 | 6,041,000 | 6,145,000 | 6,183,000 |
| Noninterest expense | 3,082,000 | 5,471,000 | 7,784,000 | 10,530,000 |
| Provision for loan losses | 162,000 | 375,000 | 406,000 | 687,000 |
| Pretax income | 5,020,000 | 5,723,000 | 6,311,000 | 6,032,000 |
| Income tax | 1,704,000 | 1,943,000 | 2,132,000 | 2,083,000 |
| Net income | 3,316,000 | 3,780,000 | 4,179,000 | 3,949,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,637,000 | 45,101,000 | 45,500,000 | 45,270,000 |
| Total capital | 46,164,000 | 46,607,000 | 46,956,000 | 46,717,000 |
| Risk-weighted assets | 121,013,000 | 119,488,000 | 115,367,000 | 114,580,000 |