Call reports 2004
BANK OF RICHMONDVILLE — 2004
What BANK OF RICHMONDVILLE 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 | 102,142,000 | 98,414,000 | 106,010,000 | 101,777,000 |
| Total loans | 57,444,000 | 58,649,000 | 58,944,000 | 58,981,000 |
| Allowance for loan losses | 817,000 | 838,000 | 851,000 | 887,000 |
| Securities available for sale | 18,035,000 | 18,026,000 | 18,705,000 | 20,629,000 |
| Securities held to maturity | 4,712,000 | 4,570,000 | 4,823,000 | 4,674,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,850,000 | 89,152,000 | 96,355,000 | 92,058,000 |
| Interest-bearing deposits | 79,831,000 | 75,714,000 | 79,687,000 | 79,424,000 |
| Noninterest-bearing deposits | 13,019,000 | 13,437,000 | 16,668,000 | 12,634,000 |
| Equity capital | 8,429,000 | 8,337,000 | 8,736,000 | 8,906,000 |
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 | 1,155,000 | 2,304,000 | 3,475,000 | 4,690,000 |
| Interest expense | 213,000 | 422,000 | 629,000 | 843,000 |
| Net interest income | 942,000 | 1,882,000 | 2,846,000 | 3,847,000 |
| Noninterest income | 109,000 | 219,000 | 352,000 | 700,000 |
| Noninterest expense | 635,000 | 1,261,000 | 1,902,000 | 2,674,000 |
| Provision for loan losses | 34,000 | 69,000 | 108,000 | 223,000 |
| Pretax income | 382,000 | 771,000 | 1,189,000 | 1,632,000 |
| Income tax | 128,000 | 258,000 | 404,000 | 536,000 |
| Net income | 254,000 | 513,000 | 785,000 | 1,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,367,000 | 8,560,000 | 8,764,000 | 8,979,000 |
| Total capital | 9,068,000 | 9,271,000 | 9,493,000 | 9,697,000 |
| Risk-weighted assets | 56,011,000 | 56,754,000 | 58,159,000 | 57,255,000 |
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