Call reports 2005
BANK OF RICHMONDVILLE — 2005
What BANK OF RICHMONDVILLE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 110,028,000 | 106,092,000 | 107,993,000 | 105,284,000 |
| Total loans | 58,816,000 | 58,140,000 | 59,410,000 | 60,300,000 |
| Allowance for loan losses | 924,000 | 939,000 | 961,000 | 987,000 |
| Securities available for sale | 20,843,000 | 24,922,000 | 23,846,000 | 22,904,000 |
| Securities held to maturity | 4,827,000 | 4,564,000 | 4,628,000 | 4,255,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,196,000 | 95,742,000 | 97,421,000 | 94,549,000 |
| Interest-bearing deposits | 85,872,000 | 82,273,000 | 76,450,000 | 79,073,000 |
| Noninterest-bearing deposits | 14,324,000 | 13,468,000 | 20,971,000 | 15,476,000 |
| Equity capital | 8,948,000 | 9,324,000 | 9,541,000 | 9,721,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,240,000 | 2,526,000 | 3,834,000 | 5,213,000 |
| Interest expense | 221,000 | 458,000 | 697,000 | 962,000 |
| Net interest income | 1,019,000 | 2,068,000 | 3,137,000 | 4,251,000 |
| Noninterest income | 109,000 | 228,000 | 362,000 | 562,000 |
| Noninterest expense | 673,000 | 1,358,000 | 2,025,000 | 2,722,000 |
| Provision for loan losses | 38,000 | 68,000 | 97,000 | 134,000 |
| Pretax income | 417,000 | 867,000 | 1,374,000 | 1,954,000 |
| Income tax | 122,000 | 276,000 | 411,000 | 609,000 |
| Net income | 295,000 | 591,000 | 963,000 | 1,345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,199,000 | 9,417,000 | 9,713,000 | 9,983,000 |
| Total capital | 9,938,000 | 10,132,000 | 10,442,000 | 10,718,000 |
| Risk-weighted assets | 58,982,000 | 56,996,000 | 58,120,000 | 58,529,000 |
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