Call reports 2020
RIVER CITY BANK — 2020
What RIVER CITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 155,508,000 | 175,498,000 | 185,941,000 | 187,799,000 |
| Total loans | 110,295,000 | 123,424,000 | 122,074,000 | 125,195,000 |
| Allowance for loan losses | 1,914,000 | 2,423,000 | 2,573,000 | 2,624,000 |
| Securities available for sale | 32,254,000 | 31,288,000 | 32,808,000 | 34,217,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,685,000 | 155,059,000 | 165,070,000 | 166,978,000 |
| Interest-bearing deposits | 106,183,000 | 112,219,000 | 120,969,000 | 119,442,000 |
| Noninterest-bearing deposits | 29,502,000 | 42,840,000 | 44,101,000 | 47,536,000 |
| Equity capital | 19,613,000 | 20,169,000 | 20,578,000 | 20,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,693,000 | 3,676,000 | 5,472,000 | 7,204,000 |
| Interest expense | 146,000 | 265,000 | 374,000 | 457,000 |
| Net interest income | 1,547,000 | 3,411,000 | 5,098,000 | 6,747,000 |
| Noninterest income | 332,000 | 672,000 | 1,085,000 | 1,456,000 |
| Noninterest expense | 1,385,000 | 2,816,000 | 4,331,000 | 5,914,000 |
| Provision for loan losses | 364,000 | 872,000 | 1,022,000 | 1,072,000 |
| Pretax income | 138,000 | 403,000 | 875,000 | 1,300,000 |
| Income tax | 30,000 | 92,000 | 208,000 | 293,000 |
| Net income | 108,000 | 311,000 | 667,000 | 1,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,681,000 | 19,156,000 | 19,646,000 | 19,334,000 |
| Total capital | 20,120,000 | 20,626,000 | 21,150,000 | 20,927,000 |
| Risk-weighted assets | 114,660,000 | 116,615,000 | 119,240,000 | 126,413,000 |