Call reports 2025
RIVER CITY BANK, INC. — 2025
What RIVER CITY BANK, INC. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 491,377,000 | 505,444,000 | 507,815,000 | 493,522,000 |
| Total loans | 371,208,000 | 382,936,000 | 377,326,000 | 367,459,000 |
| Allowance for loan losses | 2,405,000 | 2,580,000 | 2,581,000 | 2,581,000 |
| Securities available for sale | 78,231,000 | 78,021,000 | 79,069,000 | 79,402,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 423,884,000 | 439,825,000 | 443,103,000 | 438,965,000 |
| Interest-bearing deposits | 361,199,000 | 378,147,000 | 386,181,000 | 380,780,000 |
| Noninterest-bearing deposits | 62,685,000 | 61,678,000 | 56,922,000 | 58,185,000 |
| Equity capital | 41,837,000 | 43,131,000 | 46,184,000 | 47,929,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,353,000 | 14,766,000 | 22,325,000 | 29,818,000 |
| Interest expense | 3,748,000 | 7,423,000 | 11,098,000 | 14,643,000 |
| Net interest income | 3,605,000 | 7,343,000 | 11,227,000 | 15,175,000 |
| Noninterest income | 432,000 | 887,000 | 1,332,000 | 1,822,000 |
| Noninterest expense | 3,582,000 | 6,339,000 | 8,412,000 | 11,421,000 |
| Provision for loan losses | 0 | 175,000 | 175,000 | 175,000 |
| Pretax income | 455,000 | 1,723,000 | 3,979,000 | 5,408,000 |
| Income tax | 87,000 | 377,000 | 913,000 | 1,302,000 |
| Net income | 368,000 | 1,346,000 | 3,066,000 | 4,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,104,000 | 54,082,000 | 55,802,000 | 56,842,000 |
| Total capital | 55,741,000 | 56,888,000 | 58,608,000 | 59,649,000 |
| Risk-weighted assets | 410,217,000 | 419,092,000 | 406,297,000 | 394,752,000 |