Call reports 2022
RIVER CITY BANK, INC. — 2022
What RIVER CITY BANK, INC. reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 378,600,000 | 392,400,000 | 389,166,000 | 411,957,000 |
| Total loans | 227,027,000 | 258,411,000 | 259,607,000 | 282,390,000 |
| Allowance for loan losses | 2,104,000 | 2,107,000 | 2,130,000 | 2,133,000 |
| Securities available for sale | 102,425,000 | 92,568,000 | 87,957,000 | 85,952,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,406,000 | 332,269,000 | 337,337,000 | 346,888,000 |
| Interest-bearing deposits | 259,396,000 | 260,724,000 | 264,997,000 | 277,902,000 |
| Noninterest-bearing deposits | 71,010,000 | 71,545,000 | 72,340,000 | 68,986,000 |
| Equity capital | 44,278,000 | 39,874,000 | 39,367,000 | 39,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,436,000 | 7,006,000 | 10,821,000 | 15,024,000 |
| Interest expense | 264,000 | 553,000 | 1,050,000 | 2,450,000 |
| Net interest income | 3,172,000 | 6,453,000 | 9,771,000 | 12,574,000 |
| Noninterest income | 387,000 | 1,772,000 | 2,127,000 | 2,460,000 |
| Noninterest expense | 2,147,000 | 4,661,000 | 7,036,000 | 9,551,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,412,000 | 3,564,000 | 5,191,000 | 5,812,000 |
| Income tax | 314,000 | 574,000 | 963,000 | 1,007,000 |
| Net income | 1,098,000 | 2,990,000 | 4,228,000 | 4,805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,027,000 | 51,419,000 | 52,158,000 | 52,234,000 |
| Total capital | 52,131,000 | 53,526,000 | 54,288,000 | 54,367,000 |
| Risk-weighted assets | 258,740,000 | 295,448,000 | 303,714,000 | 334,486,000 |