Call reports 2015
PORT RICHMOND SAVINGS — 2015
What PORT RICHMOND SAVINGS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 67,848,000 | 69,367,000 | 67,362,000 | 68,300,000 |
| Total loans | 62,150,000 | 60,906,000 | 59,476,000 | 59,373,000 |
| Allowance for loan losses | 1,046,000 | 1,081,000 | 918,000 | 944,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,110,000 | 39,293,000 | 39,181,000 | 40,202,000 |
| Interest-bearing deposits | 35,641,000 | 36,365,000 | 35,842,000 | 36,114,000 |
| Noninterest-bearing deposits | 2,469,000 | 2,928,000 | 3,339,000 | 4,087,000 |
| Equity capital | 11,472,000 | 11,750,000 | 12,020,000 | 11,654,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 989,000 | 1,958,000 | 2,871,000 | 3,805,000 |
| Interest expense | 205,000 | 412,000 | 647,000 | 836,000 |
| Net interest income | 784,000 | 1,546,000 | 2,224,000 | 2,969,000 |
| Noninterest income | 21,000 | 32,000 | 54,000 | -177,000 |
| Noninterest expense | 392,000 | 786,000 | 1,163,000 | 2,073,000 |
| Provision for loan losses | 96,000 | 131,000 | 118,000 | 144,000 |
| Pretax income | 317,000 | 661,000 | 997,000 | 575,000 |
| Income tax | 71,000 | 137,000 | 203,000 | 146,000 |
| Net income | 246,000 | 524,000 | 794,000 | 429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,472,000 | 11,750,000 | 12,020,000 | 11,654,000 |
| Total capital | 11,699,000 | 12,045,000 | 12,524,000 | 12,159,000 |
| Risk-weighted assets | 17,420,000 | 22,855,000 | 39,877,000 | 39,982,000 |