Call reports 2007
RIVER CITY BANK — 2007
What RIVER CITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 103,945,000 | 110,645,000 | 114,277,000 | 121,893,000 |
| Total loans | 72,334,000 | 76,791,000 | 85,945,000 | 95,779,000 |
| Allowance for loan losses | 725,000 | 895,000 | 847,000 | 977,000 |
| Securities available for sale | 17,825,000 | 23,957,000 | 22,421,000 | 21,343,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,908,000 | 95,055,000 | 98,412,000 | 104,535,000 |
| Interest-bearing deposits | 81,057,000 | 87,197,000 | 90,735,000 | 96,963,000 |
| Noninterest-bearing deposits | 6,851,000 | 7,858,000 | 7,677,000 | 7,572,000 |
| Equity capital | 15,515,000 | 15,121,000 | 15,360,000 | 15,498,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,628,000 | 3,592,000 | 5,664,000 | 7,828,000 |
| Interest expense | 825,000 | 1,891,000 | 2,991,000 | 4,178,000 |
| Net interest income | 803,000 | 1,701,000 | 2,673,000 | 3,650,000 |
| Noninterest income | 87,000 | 181,000 | 272,000 | 358,000 |
| Noninterest expense | 861,000 | 1,818,000 | 2,799,000 | 3,885,000 |
| Provision for loan losses | 120,000 | 290,000 | 435,000 | 565,000 |
| Pretax income | -91,000 | -226,000 | -287,000 | -438,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -91,000 | -226,000 | -287,000 | -438,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,674,000 | 15,539,000 | 15,478,000 | 15,327,000 |
| Total capital | 16,399,000 | 16,434,000 | 16,325,000 | 16,304,000 |
| Risk-weighted assets | 76,045,000 | 82,627,000 | 89,436,000 | 96,453,000 |