Call reports 2025
RIVER CITY BANK — 2025
What RIVER CITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 5,287,018,000 | 5,322,651,000 | 5,474,904,000 | 5,801,890,000 |
| Total loans | 4,227,532,000 | 4,294,623,000 | 4,388,882,000 | 4,579,654,000 |
| Allowance for loan losses | 101,381,000 | 101,415,000 | 100,771,000 | 103,799,000 |
| Securities available for sale | 676,244,000 | 692,674,000 | 674,122,000 | 675,398,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,668,611,000 | 4,521,131,000 | 4,861,136,000 | 5,148,329,000 |
| Interest-bearing deposits | 3,785,943,000 | 3,705,138,000 | 3,977,461,000 | 4,215,525,000 |
| Noninterest-bearing deposits | 882,668,000 | 815,993,000 | 883,675,000 | 932,804,000 |
| Equity capital | 497,903,000 | 510,018,000 | 527,700,000 | 548,491,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 67,551,000 | 137,202,000 | 209,280,000 | 284,245,000 |
| Interest expense | 34,835,000 | 69,823,000 | 104,478,000 | 140,429,000 |
| Net interest income | 32,716,000 | 67,379,000 | 104,802,000 | 143,816,000 |
| Noninterest income | -4,551,000 | -6,703,000 | -6,212,000 | -2,576,000 |
| Noninterest expense | 10,945,000 | 21,792,000 | 32,883,000 | 44,207,000 |
| Provision for loan losses | -744,000 | -744,000 | -1,388,000 | 1,640,000 |
| Pretax income | 17,344,000 | 39,008,000 | 66,475,000 | 95,091,000 |
| Income tax | 5,038,000 | 11,291,000 | 19,074,000 | 26,676,000 |
| Net income | 12,306,000 | 27,717,000 | 47,401,000 | 68,415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 492,598,000 | 504,287,000 | 521,303,000 | 541,861,000 |
| Total capital | 543,133,000 | 555,586,000 | 573,730,000 | 595,625,000 |
| Risk-weighted assets | 3,989,133,000 | 4,051,002,000 | 4,142,972,000 | 4,248,502,000 |