Call reports 2022
RIVER CITY BANK — 2022
What RIVER CITY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 233,010,000 | 248,632,000 | 279,997,000 | 260,687,000 |
| Total loans | 155,961,000 | 168,175,000 | 176,517,000 | 183,271,000 |
| Allowance for loan losses | 2,619,000 | 2,659,000 | 2,732,000 | 2,720,000 |
| Securities available for sale | 36,523,000 | 34,211,000 | 32,800,000 | 34,706,000 |
| Securities held to maturity | 0 | 0 | 3,145,000 | 3,130,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,230,000 | 226,614,000 | 258,253,000 | 237,088,000 |
| Interest-bearing deposits | 148,951,000 | 157,688,000 | 176,836,000 | 160,565,000 |
| Noninterest-bearing deposits | 61,279,000 | 68,926,000 | 81,417,000 | 76,522,000 |
| Equity capital | 21,457,000 | 20,651,000 | 20,290,000 | 21,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,965,000 | 4,250,000 | 6,900,000 | 9,773,000 |
| Interest expense | 62,000 | 135,000 | 242,000 | 416,000 |
| Net interest income | 1,903,000 | 4,115,000 | 6,658,000 | 9,357,000 |
| Noninterest income | 527,000 | 1,216,000 | 1,802,000 | 2,307,000 |
| Noninterest expense | 1,839,000 | 3,715,000 | 5,709,000 | 7,766,000 |
| Provision for loan losses | 40,000 | 80,000 | 552,000 | 552,000 |
| Pretax income | 551,000 | 1,536,000 | 2,199,000 | 3,346,000 |
| Income tax | 127,000 | 362,000 | 517,000 | 794,000 |
| Net income | 424,000 | 1,174,000 | 1,682,000 | 2,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,568,000 | 24,340,000 | 24,860,000 | 25,731,000 |
| Total capital | 25,679,000 | 26,635,000 | 27,285,000 | 28,203,000 |
| Risk-weighted assets | 168,330,000 | 183,256,000 | 193,686,000 | 197,521,000 |