Call reports 2023
RIVER CITY BANK, INC. — 2023
What RIVER CITY BANK, INC. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 417,657,000 | 422,273,000 | 446,267,000 | 448,280,000 |
| Total loans | 284,227,000 | 283,796,000 | 306,650,000 | 316,996,000 |
| Allowance for loan losses | 1,969,000 | 1,972,000 | 2,040,000 | 2,082,000 |
| Securities available for sale | 86,353,000 | 83,685,000 | 78,686,000 | 83,270,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 360,199,000 | 365,598,000 | 382,805,000 | 377,391,000 |
| Interest-bearing deposits | 296,015,000 | 303,670,000 | 322,134,000 | 319,540,000 |
| Noninterest-bearing deposits | 64,184,000 | 61,928,000 | 60,671,000 | 57,851,000 |
| Equity capital | 40,562,000 | 38,926,000 | 35,748,000 | 39,742,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,596,000 | 9,558,000 | 14,918,000 | 20,856,000 |
| Interest expense | 2,067,000 | 4,370,000 | 7,031,000 | 10,390,000 |
| Net interest income | 2,529,000 | 5,188,000 | 7,887,000 | 10,466,000 |
| Noninterest income | 376,000 | 757,000 | 1,280,000 | 1,645,000 |
| Noninterest expense | 2,448,000 | 5,150,000 | 7,714,000 | 10,580,000 |
| Provision for loan losses | -168,000 | -172,000 | -110,000 | -110,000 |
| Pretax income | 457,000 | 795,000 | 1,385,000 | 1,435,000 |
| Income tax | 85,000 | 217,000 | 379,000 | 315,000 |
| Net income | 372,000 | 578,000 | 1,006,000 | 1,120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,107,000 | 51,813,000 | 51,737,000 | 51,351,000 |
| Total capital | 54,244,000 | 53,957,000 | 53,955,000 | 53,639,000 |
| Risk-weighted assets | 328,552,000 | 341,357,000 | 353,841,000 | 359,970,000 |