Call reports 2014
RIVER CITY BANK, INC. — 2014
What RIVER CITY BANK, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 301,636,000 | 278,193,000 | 273,416,000 | 276,900,000 |
| Total loans | 151,338,000 | 139,973,000 | 140,787,000 | 141,772,000 |
| Allowance for loan losses | 2,397,000 | 2,371,000 | 2,336,000 | 2,300,000 |
| Securities available for sale | 97,654,000 | 103,304,000 | 105,316,000 | 108,902,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,174,000 | 211,576,000 | 206,488,000 | 201,523,000 |
| Interest-bearing deposits | 186,597,000 | 183,336,000 | 179,006,000 | 173,602,000 |
| Noninterest-bearing deposits | 49,577,000 | 28,240,000 | 27,482,000 | 27,921,000 |
| Equity capital | 48,379,000 | 49,801,000 | 50,643,000 | 51,680,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,755,000 | 5,535,000 | 8,334,000 | 11,144,000 |
| Interest expense | 229,000 | 451,000 | 668,000 | 880,000 |
| Net interest income | 2,526,000 | 5,084,000 | 7,666,000 | 10,264,000 |
| Noninterest income | 5,668,000 | 6,890,000 | 7,168,000 | 7,407,000 |
| Noninterest expense | 5,108,000 | 7,603,000 | 9,555,000 | 11,699,000 |
| Provision for loan losses | -92,000 | -95,000 | -96,000 | -84,000 |
| Pretax income | 3,178,000 | 4,465,000 | 5,371,000 | 6,055,000 |
| Income tax | 1,011,000 | 1,395,000 | 1,630,000 | 1,611,000 |
| Net income | 2,167,000 | 3,070,000 | 3,741,000 | 4,444,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,121,000 | 50,024,000 | 50,695,000 | 51,398,000 |
| Total capital | 50,816,000 | 51,609,000 | 52,301,000 | 53,035,000 |
| Risk-weighted assets | 134,928,000 | 126,046,000 | 127,785,000 | 130,227,000 |