Call reports 2013
PORT RICHMOND SAVINGS — 2013
What PORT RICHMOND SAVINGS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 65,735,000 | 67,440,000 | 67,793,000 | 68,322,000 |
| Total loans | 63,837,000 | 65,497,000 | 65,623,000 | 65,274,000 |
| Allowance for loan losses | 1,340,000 | 1,296,000 | 1,279,000 | 1,148,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,491,000 | 39,172,000 | 37,284,000 | 38,642,000 |
| Interest-bearing deposits | 38,310,000 | 36,364,000 | 34,459,000 | 35,876,000 |
| Noninterest-bearing deposits | 2,180,000 | 2,807,000 | 2,825,000 | 2,766,000 |
| Equity capital | 10,386,000 | 10,778,000 | 11,134,000 | 10,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,081,000 | 2,161,000 | 3,251,000 | 4,342,000 |
| Interest expense | 226,000 | 450,000 | 670,000 | 889,000 |
| Net interest income | 855,000 | 1,711,000 | 2,581,000 | 3,453,000 |
| Noninterest income | 28,000 | 65,000 | 91,000 | 119,000 |
| Noninterest expense | 412,000 | 814,000 | 1,260,000 | 2,480,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 125,000 |
| Pretax income | 446,000 | 912,000 | 1,337,000 | 967,000 |
| Income tax | 69,000 | 143,000 | 212,000 | 270,000 |
| Net income | 377,000 | 769,000 | 1,125,000 | 697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,386,000 | 10,778,000 | 11,134,000 | 10,706,000 |
| Total capital | 10,891,000 | 11,290,000 | 11,645,000 | 11,226,000 |
| Risk-weighted assets | 38,790,000 | 39,418,000 | 39,582,000 | 40,965,000 |