Call reports 2008
RIVER CITY BANK — 2008
What RIVER CITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Total assets | 138,714,000 | 142,689,000 | 148,970,000 |
| Total loans | 103,381,000 | 111,067,000 | 121,297,000 |
| Allowance for loan losses | 1,052,000 | 1,113,000 | 2,403,000 |
| Securities available for sale | 30,832,000 | 25,254,000 | 22,113,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 118,411,000 | 121,781,000 | 131,220,000 |
| Interest-bearing deposits | 109,556,000 | 114,338,000 | 123,421,000 |
| Noninterest-bearing deposits | 8,855,000 | 7,443,000 | 7,799,000 |
| Equity capital | 15,593,000 | 15,053,000 | 13,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Interest income | 2,241,000 | 4,444,000 | 6,733,000 |
| Interest expense | 1,280,000 | 2,492,000 | 3,789,000 |
| Net interest income | 961,000 | 1,952,000 | 2,944,000 |
| Noninterest income | 88,000 | 189,000 | 254,000 |
| Noninterest expense | 927,000 | 1,902,000 | 2,874,000 |
| Provision for loan losses | 75,000 | 135,000 | 1,425,000 |
| Pretax income | 47,000 | 121,000 | -1,056,000 |
| Income tax | 0 | 0 | 0 |
| Net income | 47,000 | 121,000 | -1,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Tier 1 capital | 15,374,000 | 15,448,000 | 14,271,000 |
| Total capital | 16,426,000 | 16,561,000 | 15,958,000 |
| Risk-weighted assets | 104,140,000 | 123,378,000 | 133,496,000 |