Call reports 2004
PORT RICHMOND SAVINGS — 2004
What PORT RICHMOND SAVINGS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 44,330,000 | 45,720,000 | 46,023,000 | 47,653,000 |
| Total loans | 42,896,000 | 43,583,000 | 44,133,000 | 45,191,000 |
| Allowance for loan losses | 334,000 | 334,000 | 384,000 | 384,000 |
| Securities available for sale | 110,000 | 110,000 | 110,000 | 110,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,937,000 | 32,375,000 | 32,875,000 | 33,108,000 |
| Interest-bearing deposits | 31,050,000 | 31,287,000 | 31,719,000 | 31,757,000 |
| Noninterest-bearing deposits | 887,000 | 1,088,000 | 1,156,000 | 1,351,000 |
| Equity capital | 5,965,000 | 6,110,000 | 6,281,000 | 6,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 767,000 | 1,550,000 | 2,363,000 | 3,172,000 |
| Interest expense | 272,000 | 541,000 | 809,000 | 1,089,000 |
| Net interest income | 495,000 | 1,009,000 | 1,554,000 | 2,083,000 |
| Noninterest income | 16,000 | 26,000 | 36,000 | 48,000 |
| Noninterest expense | 314,000 | 685,000 | 990,000 | 1,330,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 50,000 |
| Pretax income | 197,000 | 350,000 | 550,000 | 751,000 |
| Income tax | 11,000 | 3,000 | 32,000 | 63,000 |
| Net income | 186,000 | 347,000 | 518,000 | 688,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,952,000 | 6,097,000 | 6,268,000 | 6,422,000 |
| Total capital | 6,263,000 | 6,416,000 | 6,603,000 | 6,759,000 |
| Risk-weighted assets | 24,835,000 | 25,531,000 | 26,716,000 | 26,896,000 |
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