Call reports 2019
RIVER CITY BANK — 2019
What RIVER CITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 160,640,000 | 158,705,000 | 162,451,000 | 161,933,000 |
| Total loans | 105,898,000 | 106,963,000 | 106,332,000 | 105,524,000 |
| Allowance for loan losses | 1,173,000 | 1,165,000 | 1,225,000 | 1,549,000 |
| Securities available for sale | 35,571,000 | 35,787,000 | 37,578,000 | 34,938,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,707,000 | 138,380,000 | 141,488,000 | 142,545,000 |
| Interest-bearing deposits | 111,122,000 | 110,049,000 | 109,370,000 | 110,706,000 |
| Noninterest-bearing deposits | 28,585,000 | 28,331,000 | 32,118,000 | 31,839,000 |
| Equity capital | 17,744,000 | 18,848,000 | 19,480,000 | 19,081,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,740,000 | 3,572,000 | 5,672,000 | 7,428,000 |
| Interest expense | 226,000 | 444,000 | 641,000 | 804,000 |
| Net interest income | 1,514,000 | 3,128,000 | 5,031,000 | 6,624,000 |
| Noninterest income | 258,000 | 592,000 | 920,000 | 1,274,000 |
| Noninterest expense | 1,309,000 | 2,553,000 | 3,912,000 | 5,339,000 |
| Provision for loan losses | 0 | 0 | 0 | 303,000 |
| Pretax income | 459,000 | 1,164,000 | 2,041,000 | 2,234,000 |
| Income tax | 111,000 | 299,000 | 516,000 | 560,000 |
| Net income | 348,000 | 865,000 | 1,525,000 | 1,674,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,374,000 | 18,062,000 | 18,930,000 | 18,551,000 |
| Total capital | 18,547,000 | 19,227,000 | 20,155,000 | 19,953,000 |
| Risk-weighted assets | 113,904,000 | 112,706,000 | 113,047,000 | 112,005,000 |