Call reports 2012
RIVER CITY BANK, INC. — 2012
What RIVER CITY BANK, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 282,146,000 | 277,949,000 | 288,790,000 | 278,420,000 |
| Total loans | 144,759,000 | 144,121,000 | 142,910,000 | 141,130,000 |
| Allowance for loan losses | 2,601,000 | 2,600,000 | 2,600,000 | 2,600,000 |
| Securities available for sale | 85,214,000 | 80,775,000 | 76,291,000 | 66,116,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,055,000 | 228,870,000 | 234,460,000 | 230,017,000 |
| Interest-bearing deposits | 208,169,000 | 207,919,000 | 212,623,000 | 210,074,000 |
| Noninterest-bearing deposits | 24,886,000 | 20,951,000 | 21,837,000 | 19,943,000 |
| Equity capital | 46,801,000 | 47,533,000 | 47,558,000 | 42,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,820,000 | 5,491,000 | 8,041,000 | 10,483,000 |
| Interest expense | 344,000 | 632,000 | 929,000 | 1,193,000 |
| Net interest income | 2,476,000 | 4,859,000 | 7,112,000 | 9,290,000 |
| Noninterest income | 4,338,000 | 4,770,000 | 4,941,000 | 5,028,000 |
| Noninterest expense | 4,639,000 | 6,373,000 | 8,311,000 | 10,227,000 |
| Provision for loan losses | -29,000 | 51,000 | 172,000 | 342,000 |
| Pretax income | 2,204,000 | 3,205,000 | 3,570,000 | 3,749,000 |
| Income tax | 752,000 | 1,085,000 | 1,206,000 | 1,222,000 |
| Net income | 1,452,000 | 2,120,000 | 2,364,000 | 2,527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,721,000 | 47,390,000 | 47,634,000 | 42,797,000 |
| Total capital | 48,215,000 | 48,885,000 | 49,149,000 | 44,292,000 |
| Risk-weighted assets | 118,382,000 | 118,527,000 | 120,140,000 | 118,486,000 |