Call reports 2019
RIVER CITY BANK — 2019
What RIVER CITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 2,268,386,000 | 2,446,768,000 | 2,460,749,000 | 2,544,697,000 |
| Total loans | 1,667,848,000 | 1,749,964,000 | 1,821,311,000 | 1,944,320,000 |
| Allowance for loan losses | 35,672,000 | 37,354,000 | 38,365,000 | 41,533,000 |
| Securities available for sale | 510,350,000 | 514,723,000 | 540,333,000 | 503,406,000 |
| Securities held to maturity | 1,700,000 | 1,700,000 | 1,700,000 | 1,700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,751,352,000 | 1,826,088,000 | 2,037,744,000 | 2,144,516,000 |
| Interest-bearing deposits | 1,334,367,000 | 1,373,598,000 | 1,547,655,000 | 1,642,115,000 |
| Noninterest-bearing deposits | 416,985,000 | 452,491,000 | 490,089,000 | 502,401,000 |
| Equity capital | 215,798,000 | 223,755,000 | 231,032,000 | 236,638,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 19,586,000 | 41,486,000 | 64,079,000 | 86,604,000 |
| Interest expense | 5,174,000 | 10,932,000 | 17,231,000 | 23,258,000 |
| Net interest income | 14,412,000 | 30,554,000 | 46,848,000 | 63,346,000 |
| Noninterest income | 1,060,000 | 2,130,000 | 3,197,000 | 4,271,000 |
| Noninterest expense | 6,571,000 | 13,130,000 | 19,852,000 | 26,317,000 |
| Provision for loan losses | 500,000 | 2,000,000 | 3,000,000 | 6,000,000 |
| Pretax income | 8,401,000 | 17,554,000 | 27,193,000 | 35,300,000 |
| Income tax | 2,453,000 | 5,126,000 | 7,723,000 | 9,988,000 |
| Net income | 5,948,000 | 12,428,000 | 19,470,000 | 25,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 216,019,000 | 222,231,000 | 229,145,000 | 234,535,000 |
| Total capital | 239,370,000 | 246,778,000 | 254,846,000 | 261,246,000 |
| Risk-weighted assets | 1,855,542,000 | 1,950,755,000 | 2,043,177,000 | 2,121,883,000 |