Call reports 2019
RIVER CITIES BANK — 2019
What RIVER CITIES BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Total assets | 256,311,000 | 255,085,000 | 262,333,000 |
| Total loans | 181,883,000 | 176,436,000 | 184,064,000 |
| Allowance for loan losses | 2,826,000 | 2,844,000 | 2,887,000 |
| Securities available for sale | 40,279,000 | 39,433,000 | 40,506,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 212,514,000 | 210,890,000 | 213,952,000 |
| Interest-bearing deposits | 179,339,000 | 176,204,000 | 177,196,000 |
| Noninterest-bearing deposits | 33,175,000 | 34,686,000 | 36,756,000 |
| Equity capital | 38,885,000 | 39,116,000 | 40,215,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Interest income | 2,615,000 | 5,262,000 | 7,932,000 |
| Interest expense | 516,000 | 1,035,000 | 1,552,000 |
| Net interest income | 2,099,000 | 4,227,000 | 6,380,000 |
| Noninterest income | 134,000 | 345,000 | 578,000 |
| Noninterest expense | 1,119,000 | 2,347,000 | 3,418,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 |
| Pretax income | 1,047,000 | 2,113,000 | 3,383,000 |
| Income tax | 256,000 | 512,000 | 823,000 |
| Net income | 791,000 | 1,601,000 | 2,560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 |
|---|---|---|---|
| Tier 1 capital | 38,445,000 | 38,388,000 | 39,366,000 |
| Total capital | 40,746,000 | 40,672,000 | 41,687,000 |
| Risk-weighted assets | 183,585,000 | 182,125,000 | 185,108,000 |