Call reports 2007
PORT RICHMOND SAVINGS — 2007
What PORT RICHMOND SAVINGS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 53,061,000 | 50,171,000 | 49,953,000 | 51,516,000 |
| Total loans | 50,307,000 | 47,545,000 | 48,456,000 | 50,060,000 |
| Allowance for loan losses | 584,000 | 634,000 | 634,000 | 684,000 |
| Securities available for sale | 114,000 | 114,000 | 114,000 | 60,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,596,000 | 35,087,000 | 33,270,000 | 33,435,000 |
| Interest-bearing deposits | 32,923,000 | 33,383,000 | 31,301,000 | 31,262,000 |
| Noninterest-bearing deposits | 1,673,000 | 1,704,000 | 1,969,000 | 2,173,000 |
| Equity capital | 7,683,000 | 7,841,000 | 7,972,000 | 7,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 949,000 | 1,941,000 | 2,843,000 | 3,750,000 |
| Interest expense | 413,000 | 829,000 | 1,224,000 | 1,611,000 |
| Net interest income | 536,000 | 1,112,000 | 1,619,000 | 2,139,000 |
| Noninterest income | 17,000 | 33,000 | 51,000 | 71,000 |
| Noninterest expense | 388,000 | 727,000 | 1,076,000 | 1,572,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 100,000 |
| Pretax income | 165,000 | 368,000 | 544,000 | 538,000 |
| Income tax | 45,000 | 90,000 | 135,000 | 187,000 |
| Net income | 120,000 | 278,000 | 409,000 | 351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,653,000 | 7,811,000 | 7,942,000 | 7,884,000 |
| Total capital | 8,049,000 | 8,180,000 | 8,304,000 | 8,260,000 |
| Risk-weighted assets | 30,711,000 | 28,839,000 | 28,976,000 | 30,163,000 |
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