Call reports 2018
RIVER CITY BANK, INC. — 2018
What RIVER CITY BANK, INC. 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 | 306,449,000 | 288,119,000 | 292,420,000 | 344,869,000 |
| Total loans | 184,524,000 | 189,888,000 | 206,665,000 | 209,920,000 |
| Allowance for loan losses | 2,998,000 | 3,008,000 | 3,058,000 | 2,010,000 |
| Securities available for sale | 65,348,000 | 62,513,000 | 56,646,000 | 54,129,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,666,000 | 208,179,000 | 232,783,000 | 287,373,000 |
| Interest-bearing deposits | 165,302,000 | 157,354,000 | 187,982,000 | 246,337,000 |
| Noninterest-bearing deposits | 69,364,000 | 50,825,000 | 44,801,000 | 41,036,000 |
| Equity capital | 43,964,000 | 44,874,000 | 41,566,000 | 42,574,000 |
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 | 3,101,000 | 6,273,000 | 9,648,000 | 13,194,000 |
| Interest expense | 347,000 | 740,000 | 1,222,000 | 2,064,000 |
| Net interest income | 2,754,000 | 5,533,000 | 8,426,000 | 11,130,000 |
| Noninterest income | 10,636,000 | 13,730,000 | 14,226,000 | 14,601,000 |
| Noninterest expense | 10,561,000 | 15,366,000 | 18,342,000 | 20,217,000 |
| Provision for loan losses | 1,044,000 | 1,054,000 | 1,085,000 | 980,000 |
| Pretax income | 1,785,000 | 2,843,000 | 3,224,000 | 4,533,000 |
| Income tax | 350,000 | 511,000 | 554,000 | 511,000 |
| Net income | 1,435,000 | 2,332,000 | 2,670,000 | 4,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,303,000 | 45,200,000 | 42,037,000 | 42,890,000 |
| Total capital | 46,861,000 | 47,898,000 | 44,680,000 | 44,900,000 |
| Risk-weighted assets | 204,188,000 | 215,501,000 | 231,480,000 | 235,981,000 |