Call reports 2007
BANK OF RICHMONDVILLE — 2007
What BANK OF RICHMONDVILLE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 107,698,000 | 102,165,000 | 112,744,000 | 106,698,000 |
| Total loans | 64,235,000 | 64,775,000 | 65,768,000 | 66,273,000 |
| Allowance for loan losses | 1,092,000 | 1,115,000 | 1,130,000 | 1,118,000 |
| Securities available for sale | 20,459,000 | 20,062,000 | 19,849,000 | 20,200,000 |
| Securities held to maturity | 3,346,000 | 3,106,000 | 2,975,000 | 2,975,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,555,000 | 89,858,000 | 100,140,000 | 93,744,000 |
| Interest-bearing deposits | 81,360,000 | 75,840,000 | 81,199,000 | 80,534,000 |
| Noninterest-bearing deposits | 14,195,000 | 14,018,000 | 18,941,000 | 13,210,000 |
| Equity capital | 11,082,000 | 11,197,000 | 11,580,000 | 11,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,475,000 | 3,015,000 | 4,535,000 | 6,093,000 |
| Interest expense | 417,000 | 884,000 | 1,334,000 | 1,795,000 |
| Net interest income | 1,058,000 | 2,131,000 | 3,201,000 | 4,298,000 |
| Noninterest income | 132,000 | 260,000 | 401,000 | 533,000 |
| Noninterest expense | 749,000 | 1,462,000 | 2,177,000 | 2,867,000 |
| Provision for loan losses | 25,000 | 50,000 | 74,000 | 99,000 |
| Pretax income | 403,000 | 866,000 | 1,333,000 | 1,847,000 |
| Income tax | 127,000 | 280,000 | 434,000 | 607,000 |
| Net income | 276,000 | 586,000 | 899,000 | 1,240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,245,000 | 11,471,000 | 11,692,000 | 11,976,000 |
| Total capital | 12,002,000 | 12,217,000 | 12,467,000 | 12,730,000 |
| Risk-weighted assets | 60,228,000 | 59,347,000 | 61,605,000 | 59,978,000 |
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