Call reports 2025
RIVER CITY BANK — 2025
What RIVER CITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 369,593,000 | 367,352,000 | 412,726,000 | 397,955,000 |
| Total loans | 278,340,000 | 286,006,000 | 295,811,000 | 302,633,000 |
| Allowance for loan losses | 3,778,000 | 3,975,000 | 4,036,000 | 4,049,000 |
| Securities available for sale | 35,254,000 | 35,093,000 | 36,075,000 | 35,882,000 |
| Securities held to maturity | 2,930,000 | 2,873,000 | 2,838,000 | 2,782,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,462,000 | 331,929,000 | 375,402,000 | 358,669,000 |
| Interest-bearing deposits | 253,122,000 | 254,615,000 | 294,504,000 | 279,185,000 |
| Noninterest-bearing deposits | 82,340,000 | 77,314,000 | 80,898,000 | 79,484,000 |
| Equity capital | 30,646,000 | 32,373,000 | 34,591,000 | 36,081,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,368,000 | 10,967,000 | 16,903,000 | 23,011,000 |
| Interest expense | 1,409,000 | 2,924,000 | 4,672,000 | 6,389,000 |
| Net interest income | 3,959,000 | 8,043,000 | 12,231,000 | 16,622,000 |
| Noninterest income | 960,000 | 2,077,000 | 3,016,000 | 3,747,000 |
| Noninterest expense | 2,775,000 | 5,633,000 | 8,764,000 | 12,502,000 |
| Provision for loan losses | 187,000 | 373,000 | 435,000 | 435,000 |
| Pretax income | 1,957,000 | 4,100,000 | 6,034,000 | 7,418,000 |
| Income tax | 484,000 | 1,021,000 | 1,249,000 | 1,433,000 |
| Net income | 1,473,000 | 3,079,000 | 4,785,000 | 5,985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,989,000 | 35,619,000 | 37,340,000 | 38,642,000 |
| Total capital | 37,454,000 | 39,178,000 | 41,029,000 | 42,383,000 |
| Risk-weighted assets | 276,638,000 | 284,057,000 | 294,519,000 | 298,674,000 |