Call reports 2024
RIVER CITY BANK, INC. — 2024
What RIVER CITY BANK, INC. reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 467,499,000 | 474,284,000 | 480,033,000 | 492,254,000 |
| Total loans | 342,528,000 | 339,884,000 | 353,021,000 | 366,893,000 |
| Allowance for loan losses | 2,245,000 | 2,324,000 | 2,325,000 | 2,400,000 |
| Securities available for sale | 81,919,000 | 80,347,000 | 82,918,000 | 78,564,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 388,087,000 | 402,645,000 | 410,858,000 | 427,406,000 |
| Interest-bearing deposits | 328,539,000 | 345,411,000 | 350,229,000 | 370,666,000 |
| Noninterest-bearing deposits | 59,548,000 | 57,234,000 | 60,629,000 | 56,740,000 |
| Equity capital | 38,824,000 | 38,704,000 | 41,863,000 | 40,476,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 6,281,000 | 12,919,000 | 19,904,000 | 27,080,000 |
| Interest expense | 3,631,000 | 7,448,000 | 11,321,000 | 15,206,000 |
| Net interest income | 2,650,000 | 5,471,000 | 8,583,000 | 11,874,000 |
| Noninterest income | 363,000 | 778,000 | 1,217,000 | 1,593,000 |
| Noninterest expense | 2,583,000 | 5,524,000 | 8,349,000 | 11,297,000 |
| Provision for loan losses | 158,000 | 158,000 | 59,000 | 126,000 |
| Pretax income | 179,000 | 474,000 | 1,299,000 | 2,018,000 |
| Income tax | 19,000 | 64,000 | 243,000 | 133,000 |
| Net income | 160,000 | 410,000 | 1,056,000 | 1,885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,012,000 | 51,261,000 | 51,907,000 | 52,736,000 |
| Total capital | 53,556,000 | 53,883,000 | 54,531,000 | 55,368,000 |
| Risk-weighted assets | 391,327,000 | 381,569,000 | 397,696,000 | 406,174,000 |