Call reports 2023
RIVER CITY BANK — 2023
What RIVER CITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 257,111,000 | 262,389,000 | 269,088,000 | 278,399,000 |
| Total loans | 184,308,000 | 181,385,000 | 189,353,000 | 203,471,000 |
| Allowance for loan losses | 2,343,000 | 2,326,000 | 2,372,000 | 2,719,000 |
| Securities available for sale | 34,750,000 | 33,783,000 | 32,830,000 | 36,136,000 |
| Securities held to maturity | 3,129,000 | 3,059,000 | 3,036,000 | 3,013,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,018,000 | 237,025,000 | 243,489,000 | 251,442,000 |
| Interest-bearing deposits | 156,844,000 | 166,859,000 | 171,053,000 | 173,245,000 |
| Noninterest-bearing deposits | 75,174,000 | 70,166,000 | 72,436,000 | 78,197,000 |
| Equity capital | 22,329,000 | 22,520,000 | 22,469,000 | 24,074,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,888,000 | 6,001,000 | 9,372,000 | 13,017,000 |
| Interest expense | 249,000 | 750,000 | 1,419,000 | 2,195,000 |
| Net interest income | 2,639,000 | 5,251,000 | 7,953,000 | 10,822,000 |
| Noninterest income | 505,000 | 1,051,000 | 1,610,000 | 2,368,000 |
| Noninterest expense | 2,436,000 | 4,740,000 | 7,137,000 | 9,689,000 |
| Provision for loan losses | 38,000 | 38,000 | 154,000 | 565,000 |
| Pretax income | 660,000 | 1,509,000 | 2,257,000 | 2,921,000 |
| Income tax | 153,000 | 355,000 | 531,000 | 685,000 |
| Net income | 507,000 | 1,154,000 | 1,726,000 | 2,236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,239,000 | 26,893,000 | 27,492,000 | 27,969,000 |
| Total capital | 28,587,000 | 29,196,000 | 29,887,000 | 30,527,000 |
| Risk-weighted assets | 187,610,000 | 183,948,000 | 191,413,000 | 204,175,000 |