Call reports 2010
BANK OF RICHMONDVILLE — 2010
What BANK OF RICHMONDVILLE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 118,013,000 | 118,141,000 | 123,749,000 | 114,287,000 |
| Total loans | 71,981,000 | 72,186,000 | 74,181,000 | 75,482,000 |
| Allowance for loan losses | 1,122,000 | 1,166,000 | 1,198,000 | 1,199,000 |
| Securities available for sale | 24,041,000 | 26,973,000 | 26,894,000 | 24,640,000 |
| Securities held to maturity | 1,845,000 | 1,188,000 | 1,130,000 | 1,212,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,208,000 | 103,073,000 | 108,278,000 | 97,520,000 |
| Interest-bearing deposits | 89,344,000 | 89,264,000 | 92,319,000 | 84,966,000 |
| Noninterest-bearing deposits | 13,864,000 | 13,809,000 | 15,959,000 | 12,554,000 |
| Equity capital | 13,883,000 | 14,077,000 | 14,410,000 | 14,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,271,000 | 2,546,000 | 3,814,000 | 5,092,000 |
| Interest expense | 205,000 | 398,000 | 584,000 | 753,000 |
| Net interest income | 1,066,000 | 2,148,000 | 3,230,000 | 4,339,000 |
| Noninterest income | 328,000 | 440,000 | 555,000 | 741,000 |
| Noninterest expense | 871,000 | 1,704,000 | 2,554,000 | 3,410,000 |
| Provision for loan losses | 255,000 | 300,000 | 345,000 | 442,000 |
| Pretax income | 268,000 | 584,000 | 886,000 | 1,243,000 |
| Income tax | 28,000 | 121,000 | 206,000 | 294,000 |
| Net income | 240,000 | 463,000 | 680,000 | 949,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,398,000 | 13,854,000 | 13,981,000 | 14,156,000 |
| Total capital | 14,165,000 | 14,632,000 | 14,780,000 | 14,949,000 |
| Risk-weighted assets | 61,013,000 | 61,874,000 | 63,554,000 | 62,729,000 |