Call reports 2020
RIVER CITY BANK — 2020
What RIVER CITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 2,586,279,000 | 3,193,557,000 | 3,147,300,000 | 3,322,054,000 |
| Total loans | 1,971,316,000 | 2,448,776,000 | 2,498,364,000 | 2,434,215,000 |
| Allowance for loan losses | 42,535,000 | 47,027,000 | 50,612,000 | 54,255,000 |
| Securities available for sale | 503,640,000 | 486,721,000 | 458,917,000 | 669,372,000 |
| Securities held to maturity | 1,700,000 | 1,700,000 | 1,700,000 | 1,700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,278,004,000 | 2,686,490,000 | 2,836,260,000 | 3,010,460,000 |
| Interest-bearing deposits | 1,811,555,000 | 2,045,014,000 | 2,141,011,000 | 2,349,838,000 |
| Noninterest-bearing deposits | 466,449,000 | 641,477,000 | 695,249,000 | 660,622,000 |
| Equity capital | 247,067,000 | 253,153,000 | 260,231,000 | 269,478,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 23,632,000 | 49,357,000 | 74,896,000 | 100,238,000 |
| Interest expense | 6,024,000 | 11,840,000 | 16,332,000 | 20,068,000 |
| Net interest income | 17,608,000 | 37,517,000 | 58,564,000 | 80,170,000 |
| Noninterest income | 1,001,000 | 1,922,000 | 2,803,000 | 4,498,000 |
| Noninterest expense | 7,348,000 | 15,090,000 | 21,853,000 | 27,675,000 |
| Provision for loan losses | 1,000,000 | 5,450,000 | 8,800,000 | 12,400,000 |
| Pretax income | 10,261,000 | 18,899,000 | 30,714,000 | 44,593,000 |
| Income tax | 2,993,000 | 5,482,000 | 8,950,000 | 12,966,000 |
| Net income | 7,268,000 | 13,417,000 | 21,764,000 | 31,627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 241,757,000 | 247,598,000 | 255,822,000 | 265,750,000 |