Call reports 2013
RIVER CITY BANK, INC. — 2013
What RIVER CITY BANK, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 302,658,000 | 284,233,000 | 287,187,000 | 276,015,000 |
| Total loans | 145,265,000 | 141,314,000 | 141,920,000 | 143,069,000 |
| Allowance for loan losses | 2,564,000 | 2,569,000 | 2,431,000 | 2,439,000 |
| Securities available for sale | 43,564,000 | 66,800,000 | 89,690,000 | 96,313,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,525,000 | 221,794,000 | 225,267,000 | 214,753,000 |
| Interest-bearing deposits | 205,081,000 | 195,837,000 | 199,615,000 | 190,705,000 |
| Noninterest-bearing deposits | 45,444,000 | 25,957,000 | 25,652,000 | 24,048,000 |
| Equity capital | 45,224,000 | 45,038,000 | 44,600,000 | 45,382,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,263,000 | 4,760,000 | 7,273,000 | 10,111,000 |
| Interest expense | 201,000 | 388,000 | 632,000 | 871,000 |
| Net interest income | 2,062,000 | 4,372,000 | 6,641,000 | 9,240,000 |
| Noninterest income | 5,726,000 | 7,122,000 | 7,429,000 | 7,653,000 |
| Noninterest expense | 4,465,000 | 7,048,000 | 8,977,000 | 10,882,000 |
| Provision for loan losses | -73,000 | -74,000 | -76,000 | -77,000 |
| Pretax income | 3,396,000 | 4,520,000 | 5,164,000 | 6,083,000 |
| Income tax | 1,149,000 | 1,500,000 | 1,684,000 | 1,925,000 |
| Net income | 2,247,000 | 3,020,000 | 3,480,000 | 4,158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,043,000 | 45,816,000 | 46,276,000 | 46,954,000 |
| Total capital | 46,635,000 | 47,335,000 | 47,841,000 | 48,530,000 |
| Risk-weighted assets | 126,367,000 | 120,444,000 | 124,355,000 | 125,236,000 |