Call reports 2015
RIVER CITY BANK, INC. — 2015
What RIVER CITY BANK, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 285,645,000 | 272,001,000 | 276,151,000 | 259,121,000 |
| Total loans | 137,048,000 | 134,018,000 | 137,571,000 | 135,701,000 |
| Allowance for loan losses | 2,240,000 | 2,130,000 | 2,105,000 | 1,909,000 |
| Securities available for sale | 104,614,000 | 100,828,000 | 98,743,000 | 96,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,957,000 | 202,752,000 | 201,131,000 | 198,973,000 |
| Interest-bearing deposits | 169,875,000 | 167,918,000 | 165,536,000 | 164,731,000 |
| Noninterest-bearing deposits | 45,082,000 | 34,834,000 | 35,595,000 | 34,242,000 |
| Equity capital | 54,111,000 | 54,512,000 | 55,165,000 | 36,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,663,000 | 5,347,000 | 7,988,000 | 10,653,000 |
| Interest expense | 206,000 | 408,000 | 610,000 | 812,000 |
| Net interest income | 2,457,000 | 4,939,000 | 7,378,000 | 9,841,000 |
| Noninterest income | 5,900,000 | 6,831,000 | 7,150,000 | 7,581,000 |
| Noninterest expense | 5,387,000 | 7,426,000 | 9,777,000 | 12,040,000 |
| Provision for loan losses | 0 | 0 | 0 | -2,000 |
| Pretax income | 3,085,000 | 4,458,000 | 4,863,000 | 5,496,000 |
| Income tax | 1,001,000 | 1,413,000 | 1,478,000 | 1,266,000 |
| Net income | 2,084,000 | 3,045,000 | 3,385,000 | 4,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,482,000 | 54,443,000 | 54,783,000 | 35,628,000 |
| Total capital | 55,105,000 | 56,030,000 | 56,395,000 | 37,237,000 |
| Risk-weighted assets | 129,227,000 | 126,438,000 | 128,441,000 | 128,398,000 |