Call reports 2004
RIVER CITY BANK — 2004
What RIVER CITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q3 | 2004Q4 |
|---|---|---|
| Total assets | 18,015,000 | 23,591,000 |
| Total loans | 3,738,000 | 14,136,000 |
| Allowance for loan losses | 46,000 | 180,000 |
| Securities available for sale | 1,302,000 | 3,750,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 9,366,000 | 15,416,000 |
| Interest-bearing deposits | 8,765,000 | 13,320,000 |
| Noninterest-bearing deposits | 601,000 | 2,096,000 |
| Equity capital | 8,615,000 | 8,115,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q3 | 2004Q4 |
|---|---|---|
| Interest income | 240,000 | 446,000 |
| Interest expense | 22,000 | 84,000 |
| Net interest income | 218,000 | 362,000 |
| Noninterest income | 1,000 | 5,000 |
| Noninterest expense | 611,000 | 1,128,000 |
| Provision for loan losses | 46,000 | 180,000 |
| Pretax income | -438,000 | -920,000 |
| Income tax | 0 | 0 |
| Net income | -438,000 | -920,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q3 | 2004Q4 |
|---|---|---|
| Tier 1 capital | 8,599,000 | 8,117,000 |
| Total capital | 8,661,000 | 8,297,000 |
| Risk-weighted assets | 6,868,000 | 15,538,000 |