Call reports 2021
RIVER CITY BANK — 2021
What RIVER CITY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 198,276,000 | 208,093,000 | 218,461,000 | 231,204,000 |
| Total loans | 135,608,000 | 141,264,000 | 145,858,000 | 150,255,000 |
| Allowance for loan losses | 2,688,000 | 2,601,000 | 2,664,000 | 2,578,000 |
| Securities available for sale | 32,813,000 | 33,546,000 | 37,938,000 | 37,694,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,701,000 | 186,885,000 | 194,848,000 | 207,655,000 |
| Interest-bearing deposits | 125,715,000 | 125,892,000 | 134,026,000 | 142,056,000 |
| Noninterest-bearing deposits | 51,986,000 | 60,993,000 | 60,822,000 | 65,599,000 |
| Equity capital | 20,264,000 | 20,917,000 | 23,071,000 | 22,930,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,899,000 | 3,817,000 | 5,770,000 | 7,666,000 |
| Interest expense | 66,000 | 128,000 | 191,000 | 256,000 |
| Net interest income | 1,833,000 | 3,689,000 | 5,579,000 | 7,410,000 |
| Noninterest income | 461,000 | 1,006,000 | 1,587,000 | 2,158,000 |
| Noninterest expense | 1,672,000 | 3,425,000 | 5,496,000 | 7,492,000 |
| Provision for loan losses | 63,000 | 125,000 | 188,000 | 250,000 |
| Pretax income | 559,000 | 1,145,000 | 1,979,000 | 2,323,000 |
| Income tax | 132,000 | 266,000 | 467,000 | 545,000 |
| Net income | 427,000 | 879,000 | 1,512,000 | 1,778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,778,000 | 20,250,000 | 22,898,000 | 23,153,000 |
| Total capital | 21,539,000 | 22,098,000 | 24,846,000 | 25,171,000 |
| Risk-weighted assets | 139,960,000 | 147,115,000 | 155,128,000 | 160,981,000 |