Call reports 2017
RIVER CITY BANK, INC. — 2017
What RIVER CITY BANK, INC. reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 278,682,000 | 265,072,000 | 268,302,000 | 262,478,000 |
| Total loans | 165,779,000 | 159,477,000 | 167,666,000 | 171,310,000 |
| Allowance for loan losses | 2,420,000 | 2,198,000 | 2,210,000 | 1,949,000 |
| Securities available for sale | 80,826,000 | 79,619,000 | 78,013,000 | 68,678,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,707,000 | 196,055,000 | 197,363,000 | 194,485,000 |
| Interest-bearing deposits | 153,205,000 | 152,949,000 | 154,631,000 | 155,109,000 |
| Noninterest-bearing deposits | 56,502,000 | 43,106,000 | 42,732,000 | 39,376,000 |
| Equity capital | 41,590,000 | 42,792,000 | 43,192,000 | 42,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,794,000 | 5,631,000 | 8,528,000 | 11,450,000 |
| Interest expense | 199,000 | 427,000 | 692,000 | 993,000 |
| Net interest income | 2,595,000 | 5,204,000 | 7,836,000 | 10,457,000 |
| Noninterest income | 5,280,000 | 6,425,000 | 6,784,000 | 7,033,000 |
| Noninterest expense | 5,577,000 | 8,506,000 | 10,940,000 | 13,677,000 |
| Provision for loan losses | 531,000 | 259,000 | 259,000 | 165,000 |
| Pretax income | 1,771,000 | 2,867,000 | 3,423,000 | 3,655,000 |
| Income tax | 575,000 | 849,000 | 989,000 | 1,048,000 |
| Net income | 1,196,000 | 2,018,000 | 2,434,000 | 2,607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,456,000 | 42,278,000 | 42,694,000 | 42,868,000 |
| Total capital | 43,617,000 | 44,399,000 | 44,904,000 | 44,817,000 |
| Risk-weighted assets | 172,646,000 | 169,616,000 | 178,775,000 | 185,130,000 |