Call reports 2023
RIVER CITY BANK — 2023
What RIVER CITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 4,328,203,000 | 4,364,440,000 | 4,923,610,000 | 4,932,029,000 |
| Total loans | 3,178,253,000 | 3,297,732,000 | 3,420,343,000 | 3,597,577,000 |
| Allowance for loan losses | 85,513,000 | 92,031,000 | 96,031,000 | 96,051,000 |
| Securities available for sale | 593,554,000 | 610,410,000 | 635,441,000 | 663,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,440,716,000 | 3,621,783,000 | 4,227,637,000 | 4,320,676,000 |
| Interest-bearing deposits | 2,559,918,000 | 2,743,712,000 | 3,265,021,000 | 3,481,041,000 |
| Noninterest-bearing deposits | 880,798,000 | 878,071,000 | 962,616,000 | 839,635,000 |
| Equity capital | 366,507,000 | 384,413,000 | 405,430,000 | 417,730,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 35,498,000 | 74,081,000 | 120,645,000 | 173,550,000 |
| Interest expense | 6,737,000 | 16,488,000 | 29,495,000 | 51,562,000 |
| Net interest income | 28,761,000 | 57,593,000 | 91,150,000 | 121,988,000 |
| Noninterest income | 526,000 | 7,272,000 | 10,314,000 | 12,414,000 |
| Noninterest expense | 9,604,000 | 18,288,000 | 27,225,000 | 36,562,000 |
| Provision for loan losses | 1,500,000 | 8,000,000 | 12,000,000 | 12,000,000 |
| Pretax income | 18,183,000 | 38,577,000 | 61,654,000 | 85,255,000 |
| Income tax | 5,302,000 | 11,295,000 | 18,086,000 | 24,918,000 |
| Net income | 12,881,000 | 27,282,000 | 43,568,000 | 60,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 370,929,000 | 384,890,000 | 400,350,000 | 413,629,000 |
| Total capital | 411,968,000 | 426,654,000 | 442,989,000 | 457,741,000 |
| Risk-weighted assets | 3,238,419,000 | 3,290,691,000 | 3,356,970,000 | 3,476,256,000 |