Call reports 2016
RIVER CITY BANK, INC. — 2016
What RIVER CITY BANK, INC. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 268,451,000 | 263,383,000 | 256,760,000 | 261,703,000 |
| Total loans | 142,633,000 | 148,976,000 | 149,064,000 | 157,601,000 |
| Allowance for loan losses | 2,159,000 | 2,300,000 | 1,876,000 | 1,889,000 |
| Securities available for sale | 92,977,000 | 89,461,000 | 86,996,000 | 83,059,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,886,000 | 205,420,000 | 199,972,000 | 190,968,000 |
| Interest-bearing deposits | 167,292,000 | 165,469,000 | 162,975,000 | 155,117,000 |
| Noninterest-bearing deposits | 48,594,000 | 39,951,000 | 36,997,000 | 35,851,000 |
| Equity capital | 38,359,000 | 39,179,000 | 39,509,000 | 40,030,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,681,000 | 5,431,000 | 8,172,000 | 11,059,000 |
| Interest expense | 202,000 | 393,000 | 591,000 | 783,000 |
| Net interest income | 2,479,000 | 5,038,000 | 7,581,000 | 10,276,000 |
| Noninterest income | 5,868,000 | 6,904,000 | 7,231,000 | 7,543,000 |
| Noninterest expense | 5,298,000 | 8,165,000 | 10,248,000 | 11,998,000 |
| Provision for loan losses | 247,000 | 343,000 | 462,000 | 436,000 |
| Pretax income | 2,789,000 | 3,420,000 | 4,086,000 | 5,370,000 |
| Income tax | 889,000 | 1,043,000 | 1,216,000 | 1,392,000 |
| Net income | 1,900,000 | 2,377,000 | 2,870,000 | 3,978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,528,000 | 38,005,000 | 38,497,000 | 40,260,000 |
| Total capital | 39,227,000 | 39,872,000 | 40,354,000 | 42,149,000 |
| Risk-weighted assets | 135,488,000 | 148,940,000 | 148,526,000 | 164,302,000 |