Call reports 2005
RIVER CITY BANK — 2005
What RIVER CITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 32,665,000 | 37,887,000 | 47,964,000 | 61,037,000 |
| Total loans | 19,759,000 | 24,848,000 | 30,347,000 | 38,723,000 |
| Allowance for loan losses | 210,000 | 250,000 | 330,000 | 395,000 |
| Securities available for sale | 3,664,000 | 3,708,000 | 10,379,000 | 12,152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,701,000 | 29,012,000 | 31,711,000 | 44,932,000 |
| Interest-bearing deposits | 20,816,000 | 23,712,000 | 27,218,000 | 39,728,000 |
| Noninterest-bearing deposits | 3,885,000 | 5,300,000 | 4,493,000 | 5,204,000 |
| Equity capital | 7,823,000 | 7,682,000 | 16,045,000 | 15,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 378,000 | 859,000 | 1,542,000 | 2,381,000 |
| Interest expense | 113,000 | 265,000 | 455,000 | 729,000 |
| Net interest income | 265,000 | 594,000 | 1,087,000 | 1,652,000 |
| Noninterest income | 4,000 | 34,000 | 80,000 | 126,000 |
| Noninterest expense | 474,000 | 991,000 | 1,581,000 | 2,156,000 |
| Provision for loan losses | 30,000 | 70,000 | 150,000 | 215,000 |
| Pretax income | -235,000 | -433,000 | -564,000 | -593,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -235,000 | -433,000 | -564,000 | -593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,882,000 | 7,684,000 | 16,070,000 | 16,043,000 |
| Total capital | 8,092,000 | 8,184,000 | 16,400,000 | 16,438,000 |
| Risk-weighted assets | 20,181,000 | 24,940,000 | 31,589,000 | 40,183,000 |