Call reports 2021
RIVER CITY BANK — 2021
What RIVER CITY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 3,408,128,000 | 3,359,517,000 | 3,563,336,000 | 3,656,715,000 |
| Total loans | 2,514,688,000 | 2,464,357,000 | 2,540,015,000 | 2,729,966,000 |
| Allowance for loan losses | 57,364,000 | 59,951,000 | 61,957,000 | 64,995,000 |
| Securities available for sale | 739,744,000 | 706,809,000 | 698,467,000 | 700,911,000 |
| Securities held to maturity | 1,700,000 | 1,700,000 | 1,700,000 | 1,700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,093,685,000 | 3,041,734,000 | 3,236,533,000 | 3,326,026,000 |
| Interest-bearing deposits | 2,411,263,000 | 2,376,133,000 | 2,392,834,000 | 2,536,031,000 |
| Noninterest-bearing deposits | 682,422,000 | 665,601,000 | 843,699,000 | 789,995,000 |
| Equity capital | 281,801,000 | 289,747,000 | 300,544,000 | 308,355,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 24,867,000 | 50,248,000 | 76,769,000 | 102,816,000 |
| Interest expense | 3,083,000 | 6,132,000 | 9,212,000 | 12,595,000 |
| Net interest income | 21,784,000 | 44,116,000 | 67,557,000 | 90,221,000 |
| Noninterest income | 11,153,000 | 9,267,000 | 10,842,000 | 11,916,000 |
| Noninterest expense | 7,801,000 | 15,370,000 | 21,864,000 | 28,701,000 |
| Provision for loan losses | 3,000,000 | 5,500,000 | 7,500,000 | 10,500,000 |
| Pretax income | 22,136,000 | 32,513,000 | 49,035,000 | 62,936,000 |
| Income tax | 6,484,000 | 9,526,000 | 14,366,000 | 18,461,000 |
| Net income | 15,652,000 | 22,987,000 | 34,669,000 | 44,475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 281,021,000 | 288,290,000 | 299,929,000 | 309,989,000 |