Call reports 2024
RIVER CITY BANK — 2024
What RIVER CITY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 301,004,000 | 335,951,000 | 349,751,000 | 355,950,000 |
| Total loans | 219,359,000 | 239,568,000 | 247,303,000 | 262,574,000 |
| Allowance for loan losses | 2,858,000 | 3,324,000 | 3,464,000 | 3,623,000 |
| Securities available for sale | 35,293,000 | 35,356,000 | 36,030,000 | 34,748,000 |
| Securities held to maturity | 2,992,000 | 2,966,000 | 2,957,000 | 2,934,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,749,000 | 305,306,000 | 318,060,000 | 324,168,000 |
| Interest-bearing deposits | 191,966,000 | 218,582,000 | 230,311,000 | 241,927,000 |
| Noninterest-bearing deposits | 79,783,000 | 86,724,000 | 87,749,000 | 82,241,000 |
| Equity capital | 24,663,000 | 25,808,000 | 28,136,000 | 28,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,863,000 | 8,446,000 | 13,526,000 | 18,709,000 |
| Interest expense | 849,000 | 1,940,000 | 3,305,000 | 4,696,000 |
| Net interest income | 3,014,000 | 6,506,000 | 10,221,000 | 14,013,000 |
| Noninterest income | 724,000 | 1,390,000 | 2,325,000 | 3,088,000 |
| Noninterest expense | 2,562,000 | 5,231,000 | 7,981,000 | 10,718,000 |
| Provision for loan losses | 273,000 | 476,000 | 678,000 | 881,000 |
| Pretax income | 903,000 | 2,189,000 | 3,887,000 | 5,502,000 |
| Income tax | 153,000 | 468,000 | 881,000 | 1,145,000 |
| Net income | 750,000 | 1,721,000 | 3,006,000 | 4,357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,793,000 | 29,798,000 | 31,091,000 | 32,498,000 |
| Total capital | 31,487,000 | 32,741,000 | 34,276,000 | 35,738,000 |
| Risk-weighted assets | 215,065,000 | 234,911,000 | 254,266,000 | 258,545,000 |