Call reports 2006
RIVER CITY BANK — 2006
What RIVER CITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 66,772,000 | 74,884,000 | 83,858,000 | 86,452,000 |
| Total loans | 45,299,000 | 46,908,000 | 53,931,000 | 59,843,000 |
| Allowance for loan losses | 450,000 | 470,000 | 535,000 | 605,000 |
| Securities available for sale | 13,521,000 | 13,263,000 | 13,428,000 | 18,296,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,726,000 | 58,991,000 | 67,791,000 | 70,506,000 |
| Interest-bearing deposits | 43,603,000 | 51,548,000 | 60,642,000 | 62,416,000 |
| Noninterest-bearing deposits | 7,123,000 | 7,443,000 | 7,149,000 | 8,090,000 |
| Equity capital | 15,745,000 | 15,575,000 | 15,687,000 | 15,545,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,011,000 | 2,190,000 | 3,605,000 | 5,193,000 |
| Interest expense | 394,000 | 863,000 | 1,487,000 | 2,214,000 |
| Net interest income | 617,000 | 1,327,000 | 2,118,000 | 2,979,000 |
| Noninterest income | 48,000 | 120,000 | 190,000 | 273,000 |
| Noninterest expense | 670,000 | 1,416,000 | 2,343,000 | 3,326,000 |
| Provision for loan losses | 55,000 | 75,000 | 140,000 | 210,000 |
| Pretax income | -60,000 | -44,000 | -175,000 | -288,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -60,000 | -44,000 | -175,000 | -288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,982,000 | 15,998,000 | 15,867,000 | 15,754,000 |
| Total capital | 16,432,000 | 16,468,000 | 16,402,000 | 16,359,000 |
| Risk-weighted assets | 46,660,000 | 49,866,000 | 57,671,000 | 62,354,000 |