Call reports 2012
BANK OF RICHMONDVILLE — 2012
What BANK OF RICHMONDVILLE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 130,048,000 | 125,808,000 | 127,493,000 | 124,563,000 |
| Total loans | 76,288,000 | 77,768,000 | 77,960,000 | 79,225,000 |
| Allowance for loan losses | 1,279,000 | 1,175,000 | 1,213,000 | 1,277,000 |
| Securities available for sale | 36,431,000 | 34,087,000 | 32,875,000 | 32,383,000 |
| Securities held to maturity | 2,388,000 | 2,349,000 | 2,259,000 | 1,251,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,235,000 | 107,795,000 | 111,170,000 | 108,365,000 |
| Interest-bearing deposits | 97,893,000 | 91,868,000 | 92,077,000 | 93,624,000 |
| Noninterest-bearing deposits | 16,342,000 | 15,927,000 | 19,093,000 | 14,741,000 |
| Equity capital | 15,070,000 | 15,394,000 | 15,539,000 | 15,591,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,183,000 | 2,363,000 | 3,506,000 | 4,647,000 |
| Interest expense | 131,000 | 251,000 | 369,000 | 480,000 |
| Net interest income | 1,052,000 | 2,112,000 | 3,137,000 | 4,167,000 |
| Noninterest income | 111,000 | 225,000 | 342,000 | 474,000 |
| Noninterest expense | 880,000 | 1,748,000 | 2,618,000 | 3,498,000 |
| Provision for loan losses | 60,000 | 120,000 | 140,000 | 170,000 |
| Pretax income | 223,000 | 564,000 | 816,000 | 1,067,000 |
| Income tax | 70,000 | 72,000 | 143,000 | 205,000 |
| Net income | 153,000 | 492,000 | 673,000 | 862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,678,000 | 14,926,000 | 15,017,000 | 15,106,000 |
| Total capital | 15,466,000 | 15,715,000 | 15,810,000 | 15,907,000 |
| Risk-weighted assets | 62,561,000 | 62,755,000 | 63,064,000 | 63,588,000 |