Call reports 2002
BANK OF RICHMONDVILLE — 2002
What BANK OF RICHMONDVILLE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 86,396,000 | 91,454,000 | 94,138,000 | 93,832,000 |
| Total loans | 47,171,000 | 50,586,000 | 51,514,000 | 52,478,000 |
| Allowance for loan losses | 834,000 | 816,000 | 833,000 | 809,000 |
| Securities available for sale | 13,996,000 | 15,467,000 | 13,822,000 | 14,267,000 |
| Securities held to maturity | 7,735,000 | 7,606,000 | 7,432,000 | 7,334,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,387,000 | 83,233,000 | 85,546,000 | 85,072,000 |
| Interest-bearing deposits | 67,872,000 | 72,649,000 | 71,700,000 | 74,184,000 |
| Noninterest-bearing deposits | 10,515,000 | 10,584,000 | 13,846,000 | 10,888,000 |
| Equity capital | 7,057,000 | 7,236,000 | 7,488,000 | 7,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,283,000 | 2,599,000 | 3,900,000 | 5,203,000 |
| Interest expense | 489,000 | 967,000 | 1,417,000 | 1,812,000 |
| Net interest income | 794,000 | 1,632,000 | 2,483,000 | 3,391,000 |
| Noninterest income | 98,000 | 208,000 | 327,000 | 443,000 |
| Noninterest expense | 591,000 | 1,422,000 | 2,029,000 | 2,632,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 278,000 | 381,000 | 721,000 | 1,120,000 |
| Income tax | 96,000 | 110,000 | 218,000 | 351,000 |
| Net income | 182,000 | 271,000 | 503,000 | 769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,034,000 | 7,067,000 | 7,241,000 | 7,426,000 |
| Total capital | 7,676,000 | 7,756,000 | 7,943,000 | 8,129,000 |
| Risk-weighted assets | 51,168,000 | 54,970,000 | 56,001,000 | 56,164,000 |
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