Call reports 2022
RIVER CITY BANK — 2022
What RIVER CITY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 3,569,874,000 | 3,788,104,000 | 3,959,962,000 | 4,041,345,000 |
| Total loans | 2,690,582,000 | 2,879,035,000 | 3,001,599,000 | 3,127,854,000 |
| Allowance for loan losses | 71,770,000 | 73,126,000 | 76,920,000 | 84,013,000 |
| Securities available for sale | 699,133,000 | 645,611,000 | 621,314,000 | 619,736,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,182,242,000 | 3,238,123,000 | 3,366,834,000 | 3,442,317,000 |
| Interest-bearing deposits | 2,417,880,000 | 2,385,272,000 | 2,413,094,000 | 2,565,189,000 |
| Noninterest-bearing deposits | 764,362,000 | 852,851,000 | 953,740,000 | 877,128,000 |
| Equity capital | 313,731,000 | 327,245,000 | 340,244,000 | 353,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 25,871,000 | 53,934,000 | 84,819,000 | 120,443,000 |
| Interest expense | 3,878,000 | 8,508,000 | 13,199,000 | 18,724,000 |
| Net interest income | 21,993,000 | 45,426,000 | 71,620,000 | 101,719,000 |
| Noninterest income | 15,495,000 | 17,304,000 | 18,771,000 | 19,806,000 |
| Noninterest expense | 7,792,000 | 15,294,000 | 23,722,000 | 32,079,000 |
| Provision for loan losses | 6,430,000 | 7,680,000 | 11,405,000 | 18,405,000 |
| Pretax income | 23,266,000 | 35,835,000 | 51,343,000 | 67,120,000 |
| Income tax | 6,818,000 | 10,511,000 | 15,000,000 | 19,297,000 |
| Net income | 16,448,000 | 25,324,000 | 36,343,000 | 47,823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 326,446,000 | 335,402,000 | 346,429,000 | 358,171,000 |
| Total capital | 362,072,000 | 373,207,000 | 386,312,000 | 398,863,000 |
| Risk-weighted assets | 2,813,742,000 | 2,988,886,000 | 3,153,443,000 | 3,211,818,000 |