Call reports 2009
BANK OF RICHMONDVILLE — 2009
What BANK OF RICHMONDVILLE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 114,487,000 | 109,671,000 | 115,054,000 | 111,620,000 |
| Total loans | 68,328,000 | 68,942,000 | 70,435,000 | 72,016,000 |
| Allowance for loan losses | 1,027,000 | 1,066,000 | 972,000 | 958,000 |
| Securities available for sale | 26,331,000 | 26,766,000 | 25,918,000 | 24,621,000 |
| Securities held to maturity | 2,180,000 | 1,905,000 | 1,419,000 | 1,409,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,257,000 | 93,882,000 | 100,267,000 | 97,039,000 |
| Interest-bearing deposits | 86,694,000 | 80,581,000 | 84,519,000 | 83,266,000 |
| Noninterest-bearing deposits | 13,563,000 | 13,301,000 | 15,748,000 | 13,774,000 |
| Equity capital | 13,187,000 | 13,293,000 | 13,776,000 | 13,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,378,000 | 2,752,000 | 4,094,000 | 5,392,000 |
| Interest expense | 291,000 | 547,000 | 774,000 | 995,000 |
| Net interest income | 1,087,000 | 2,205,000 | 3,320,000 | 4,397,000 |
| Noninterest income | 115,000 | 230,000 | 356,000 | 482,000 |
| Noninterest expense | 811,000 | 1,648,000 | 2,503,000 | 3,438,000 |
| Provision for loan losses | 24,000 | 48,000 | 91,000 | 166,000 |
| Pretax income | 367,000 | 739,000 | 1,082,000 | 1,275,000 |
| Income tax | 113,000 | 209,000 | 295,000 | 333,000 |
| Net income | 254,000 | 530,000 | 787,000 | 942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,856,000 | 13,339,000 | 13,506,000 | 13,249,000 |
| Total capital | 13,620,000 | 14,101,000 | 14,273,000 | 14,022,000 |
| Risk-weighted assets | 60,830,000 | 60,637,000 | 61,186,000 | 61,661,000 |