Call reports 2017
RIVER CITY BANK — 2017
What RIVER CITY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,898,078,000 | 1,966,026,000 | 2,004,267,000 | 2,037,816,000 |
| Total loans | 1,363,028,000 | 1,414,134,000 | 1,428,099,000 | 1,459,871,000 |
| Allowance for loan losses | 29,356,000 | 30,218,000 | 31,012,000 | 31,537,000 |
| Securities available for sale | 457,977,000 | 468,421,000 | 460,971,000 | 461,601,000 |
| Securities held to maturity | 1,700,000 | 1,700,000 | 1,700,000 | 1,700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,403,178,000 | 1,419,105,000 | 1,473,924,000 | 1,532,063,000 |
| Interest-bearing deposits | 1,091,086,000 | 1,068,849,000 | 1,117,437,000 | 1,140,357,000 |
| Noninterest-bearing deposits | 312,092,000 | 350,256,000 | 356,487,000 | 391,706,000 |
| Equity capital | 174,407,000 | 180,573,000 | 184,758,000 | 184,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 14,592,000 | 30,113,000 | 46,022,000 | 62,326,000 |
| Interest expense | 1,748,000 | 3,920,000 | 6,321,000 | 8,854,000 |
| Net interest income | 12,844,000 | 26,193,000 | 39,701,000 | 53,472,000 |
| Noninterest income | 1,600,000 | 6,070,000 | 7,156,000 | 8,817,000 |
| Noninterest expense | 6,079,000 | 12,257,000 | 18,252,000 | 24,005,000 |
| Provision for loan losses | 1,200,000 | 1,950,000 | 2,700,000 | 2,200,000 |
| Pretax income | 7,164,000 | 18,060,000 | 25,914,000 | 35,910,000 |
| Income tax | 2,930,000 | 7,417,000 | 10,645,000 | 19,226,000 |
| Net income | 4,234,000 | 10,643,000 | 15,269,000 | 16,684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 174,222,000 | 180,588,000 | 184,883,000 | 186,113,000 |
| Total capital | 193,175,000 | 200,366,000 | 204,579,000 | 206,043,000 |
| Risk-weighted assets | 1,505,629,000 | 1,571,607,000 | 1,564,137,000 | 1,582,623,000 |