Call reports 2021
RIVER CITY BANK, INC. — 2021
What RIVER CITY BANK, INC. reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 379,256,000 | 384,868,000 | 381,297,000 | 375,552,000 |
| Total loans | 210,117,000 | 209,774,000 | 219,051,000 | 215,551,000 |
| Allowance for loan losses | 2,056,000 | 2,059,000 | 2,048,000 | 2,085,000 |
| Securities available for sale | 73,547,000 | 88,014,000 | 109,221,000 | 108,027,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,582,000 | 330,789,000 | 326,844,000 | 323,953,000 |
| Interest-bearing deposits | 262,712,000 | 266,357,000 | 258,606,000 | 261,257,000 |
| Noninterest-bearing deposits | 63,870,000 | 64,432,000 | 68,238,000 | 62,696,000 |
| Equity capital | 47,133,000 | 48,238,000 | 49,228,000 | 48,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,277,000 | 6,802,000 | 10,504,000 | 13,939,000 |
| Interest expense | 477,000 | 882,000 | 1,218,000 | 1,497,000 |
| Net interest income | 2,800,000 | 5,920,000 | 9,286,000 | 12,442,000 |
| Noninterest income | 537,000 | 982,000 | 1,453,000 | 1,913,000 |
| Noninterest expense | 2,232,000 | 4,578,000 | 6,857,000 | 9,305,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,105,000 | 2,324,000 | 3,882,000 | 5,050,000 |
| Income tax | 250,000 | 525,000 | 884,000 | 1,098,000 |
| Net income | 855,000 | 1,799,000 | 2,998,000 | 3,952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,331,000 | 48,026,000 | 48,975,000 | 49,429,000 |
| Total capital | 49,387,000 | 50,085,000 | 51,023,000 | 51,514,000 |
| Risk-weighted assets | 209,792,000 | 224,634,000 | 247,363,000 | 246,958,000 |