Call reports 2020
RIVER CITY BANK, INC. — 2020
What RIVER CITY BANK, INC. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 340,457,000 | 356,826,000 | 373,654,000 | 369,310,000 |
| Total loans | 232,920,000 | 224,758,000 | 220,695,000 | 217,310,000 |
| Allowance for loan losses | 3,594,000 | 3,621,000 | 3,562,000 | 2,054,000 |
| Securities available for sale | 39,773,000 | 38,912,000 | 43,938,000 | 50,981,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,311,000 | 296,835,000 | 315,192,000 | 316,974,000 |
| Interest-bearing deposits | 229,441,000 | 240,382,000 | 254,605,000 | 259,810,000 |
| Noninterest-bearing deposits | 51,870,000 | 56,453,000 | 60,587,000 | 57,164,000 |
| Equity capital | 44,347,000 | 45,378,000 | 46,029,000 | 47,156,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,749,000 | 8,431,000 | 11,935,000 | 15,343,000 |
| Interest expense | 916,000 | 1,752,000 | 2,551,000 | 3,142,000 |
| Net interest income | 3,833,000 | 6,679,000 | 9,384,000 | 12,201,000 |
| Noninterest income | 4,557,000 | 5,291,000 | 6,051,000 | 6,601,000 |
| Noninterest expense | 4,830,000 | 7,728,000 | 10,056,000 | 12,463,000 |
| Provision for loan losses | 1,536,000 | 1,560,000 | 1,520,000 | 1,151,000 |
| Pretax income | 2,024,000 | 2,682,000 | 3,873,000 | 5,202,000 |
| Income tax | 398,000 | 513,000 | 744,000 | 706,000 |
| Net income | 1,626,000 | 2,169,000 | 3,129,000 | 4,496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,607,000 | 44,900,000 | 45,610,000 | 46,727,000 |
| Total capital | 47,725,000 | 47,935,000 | 48,288,000 | 48,781,000 |
| Risk-weighted assets | 248,965,000 | 242,183,000 | 213,353,000 | 219,985,000 |