Call reports 2018
RIVER CITY BANK — 2018
What RIVER CITY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 2,041,584,000 | 2,082,390,000 | 2,183,436,000 | 2,206,367,000 |
| Total loans | 1,486,442,000 | 1,520,104,000 | 1,576,234,000 | 1,600,466,000 |
| Allowance for loan losses | 32,351,000 | 33,164,000 | 34,399,000 | 35,097,000 |
| Securities available for sale | 463,194,000 | 476,216,000 | 487,840,000 | 502,558,000 |
| Securities held to maturity | 1,700,000 | 1,700,000 | 1,700,000 | 1,700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,531,293,000 | 1,538,604,000 | 1,655,293,000 | 1,722,566,000 |
| Interest-bearing deposits | 1,166,182,000 | 1,163,879,000 | 1,189,943,000 | 1,295,899,000 |
| Noninterest-bearing deposits | 365,111,000 | 374,725,000 | 465,351,000 | 426,667,000 |
| Equity capital | 189,337,000 | 194,963,000 | 200,938,000 | 208,676,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 16,412,000 | 33,776,000 | 52,150,000 | 71,633,000 |
| Interest expense | 2,921,000 | 6,680,000 | 10,925,000 | 15,375,000 |
| Net interest income | 13,491,000 | 27,096,000 | 41,225,000 | 56,258,000 |
| Noninterest income | 1,079,000 | 2,132,000 | 3,172,000 | 4,461,000 |
| Noninterest expense | 5,998,000 | 11,849,000 | 17,973,000 | 24,104,000 |
| Provision for loan losses | 750,000 | 1,500,000 | 2,250,000 | 2,750,000 |
| Pretax income | 7,838,000 | 15,916,000 | 24,217,000 | 33,942,000 |
| Income tax | 2,294,000 | 4,632,000 | 7,023,000 | 9,937,000 |
| Net income | 5,544,000 | 11,284,000 | 17,194,000 | 24,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 191,753,000 | 197,450,000 | 203,366,000 | 210,138,000 |
| Total capital | 212,032,000 | 218,209,000 | 225,048,000 | 232,572,000 |
| Risk-weighted assets | 1,610,015,000 | 1,648,095,000 | 1,721,607,000 | 1,781,865,000 |