Call reports 2019
RIVER CITY BANK, INC. — 2019
What RIVER CITY BANK, INC. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 320,701,000 | 311,005,000 | 312,160,000 | 310,425,000 |
| Total loans | 212,763,000 | 219,626,000 | 227,350,000 | 221,685,000 |
| Allowance for loan losses | 3,498,000 | 3,538,000 | 3,385,000 | 2,048,000 |
| Securities available for sale | 50,512,000 | 45,930,000 | 50,212,000 | 47,438,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,363,000 | 251,637,000 | 253,346,000 | 254,099,000 |
| Interest-bearing deposits | 211,601,000 | 202,707,000 | 206,446,000 | 213,558,000 |
| Noninterest-bearing deposits | 49,762,000 | 48,930,000 | 46,900,000 | 40,541,000 |
| Equity capital | 43,213,000 | 43,393,000 | 43,274,000 | 43,387,000 |
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 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,345,000 | 8,124,000 | 11,960,000 | 15,859,000 |
| Interest expense | 1,115,000 | 2,056,000 | 2,949,000 | 3,828,000 |
| Net interest income | 3,230,000 | 6,068,000 | 9,011,000 | 12,031,000 |
| Noninterest income | 4,820,000 | 5,698,000 | 5,933,000 | 6,191,000 |
| Noninterest expense | 5,508,000 | 8,633,000 | 11,539,000 | 13,756,000 |
| Provision for loan losses | 1,455,000 | 1,492,000 | 1,332,000 | 1,710,000 |
| Pretax income | 1,087,000 | 1,641,000 | 2,073,000 | 2,756,000 |
| Income tax | 190,000 | 270,000 | 328,000 | 415,000 |
| Net income | 897,000 | 1,371,000 | 1,745,000 | 2,341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,287,000 | 43,260,000 | 43,134,000 | 43,231,000 |
| Total capital | 46,271,000 | 46,321,000 | 46,284,000 | 45,279,000 |
| Risk-weighted assets | 238,185,000 | 244,428,000 | 251,738,000 | 244,981,000 |