Call reports 2018
RIVER CITY BANK — 2018
What RIVER CITY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 155,549,000 | 155,985,000 | 155,199,000 | 167,133,000 |
| Total loans | 102,298,000 | 104,414,000 | 106,613,000 | 108,385,000 |
| Allowance for loan losses | 1,081,000 | 1,074,000 | 1,075,000 | 1,076,000 |
| Securities available for sale | 38,565,000 | 36,049,000 | 33,153,000 | 32,880,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,222,000 | 137,506,000 | 136,825,000 | 143,960,000 |
| Interest-bearing deposits | 111,291,000 | 110,672,000 | 107,672,000 | 114,004,000 |
| Noninterest-bearing deposits | 27,931,000 | 26,835,000 | 29,153,000 | 29,956,000 |
| Equity capital | 16,117,000 | 16,404,000 | 16,230,000 | 17,079,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,479,000 | 3,064,000 | 4,691,000 | 6,402,000 |
| Interest expense | 102,000 | 219,000 | 380,000 | 583,000 |
| Net interest income | 1,377,000 | 2,845,000 | 4,311,000 | 5,819,000 |
| Noninterest income | 309,000 | 598,000 | 1,068,000 | 1,379,000 |
| Noninterest expense | 1,154,000 | 2,305,000 | 3,498,000 | 4,777,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 532,000 | 1,147,000 | 1,893,000 | 2,423,000 |
| Income tax | 127,000 | 275,000 | 467,000 | 606,000 |
| Net income | 405,000 | 872,000 | 1,426,000 | 1,817,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,535,000 | 16,154,000 | 16,381,000 | 16,919,000 |
| Total capital | 16,616,000 | 17,227,000 | 17,456,000 | 17,995,000 |
| Risk-weighted assets | 113,506,000 | 113,852,000 | 115,222,000 | 115,755,000 |