Call reports 2018
RIVER CITIES BANK — 2018
What RIVER CITIES BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 237,226,000 | 243,411,000 | 247,438,000 | 258,172,000 |
| Total loans | 174,174,000 | 171,917,000 | 174,207,000 | 180,779,000 |
| Allowance for loan losses | 3,271,000 | 3,316,000 | 2,730,000 | 2,781,000 |
| Securities available for sale | 33,500,000 | 32,771,000 | 35,260,000 | 39,569,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,646,000 | 200,567,000 | 202,949,000 | 212,644,000 |
| Interest-bearing deposits | 160,124,000 | 166,991,000 | 170,255,000 | 176,771,000 |
| Noninterest-bearing deposits | 33,522,000 | 33,576,000 | 32,694,000 | 35,873,000 |
| Equity capital | 34,952,000 | 35,209,000 | 36,543,000 | 37,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,226,000 | 4,633,000 | 7,086,000 | 9,598,000 |
| Interest expense | 287,000 | 610,000 | 973,000 | 1,398,000 |
| Net interest income | 1,939,000 | 4,023,000 | 6,113,000 | 8,200,000 |
| Noninterest income | 181,000 | 381,000 | 812,000 | 1,012,000 |
| Noninterest expense | 1,020,000 | 2,159,000 | 3,227,000 | 4,599,000 |
| Provision for loan losses | 30,000 | 75,000 | -510,000 | -510,000 |
| Pretax income | 1,064,000 | 2,164,000 | 4,201,000 | 5,118,000 |
| Income tax | 284,000 | 551,000 | 1,071,000 | 1,284,000 |
| Net income | 780,000 | 1,613,000 | 3,130,000 | 3,834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,135,000 | 35,418,000 | 36,852,000 | 37,632,000 |
| Total capital | 37,355,000 | 37,597,000 | 39,060,000 | 39,920,000 |
| Risk-weighted assets | 176,538,000 | 173,772,000 | 176,114,000 | 182,524,000 |