Call reports 2024
RIVER CITY BANK — 2024
What RIVER CITY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 4,973,797,000 | 5,094,837,000 | 5,114,036,000 | 5,143,528,000 |
| Total loans | 3,634,669,000 | 3,854,994,000 | 4,037,002,000 | 4,168,157,000 |
| Allowance for loan losses | 100,051,000 | 103,053,000 | 100,357,000 | 102,163,000 |
| Securities available for sale | 687,378,000 | 714,150,000 | 705,917,000 | 687,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,310,628,000 | 4,480,928,000 | 4,449,479,000 | 4,454,529,000 |
| Interest-bearing deposits | 3,524,436,000 | 3,618,211,000 | 3,541,062,000 | 3,619,559,000 |
| Noninterest-bearing deposits | 786,192,000 | 862,717,000 | 908,417,000 | 834,970,000 |
| Equity capital | 434,993,000 | 447,307,000 | 466,652,000 | 484,740,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 68,136,000 | 137,824,000 | 210,231,000 | 280,450,000 |
| Interest expense | 34,821,000 | 70,602,000 | 107,362,000 | 142,449,000 |
| Net interest income | 33,315,000 | 67,222,000 | 102,869,000 | 138,001,000 |
| Noninterest income | 7,154,000 | 9,792,000 | 4,156,000 | 11,809,000 |
| Noninterest expense | 10,031,000 | 20,074,000 | 29,551,000 | 39,828,000 |
| Provision for loan losses | 4,000,000 | 7,000,000 | 4,304,000 | 6,109,000 |
| Pretax income | 26,438,000 | 50,775,000 | 73,726,000 | 103,655,000 |
| Income tax | 7,753,000 | 14,878,000 | 21,592,000 | 30,256,000 |
| Net income | 18,685,000 | 35,897,000 | 52,134,000 | 73,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 431,628,000 | 444,729,000 | 460,027,000 | 480,854,000 |
| Total capital | 476,346,000 | 492,170,000 | 509,288,000 | 530,602,000 |
| Risk-weighted assets | 3,521,306,000 | 3,738,920,000 | 3,888,335,000 | 3,925,181,000 |