Call reports 2013
BANK OF RICHMONDVILLE — 2013
What BANK OF RICHMONDVILLE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 131,848,000 | 130,963,000 | 131,157,000 | 130,163,000 |
| Total loans | 79,182,000 | 80,604,000 | 81,306,000 | 82,964,000 |
| Allowance for loan losses | 1,304,000 | 1,266,000 | 1,074,000 | 995,000 |
| Securities available for sale | 32,181,000 | 34,188,000 | 34,528,000 | 34,572,000 |
| Securities held to maturity | 1,547,000 | 1,449,000 | 1,359,000 | 1,127,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,624,000 | 115,173,000 | 115,557,000 | 113,180,000 |
| Interest-bearing deposits | 98,952,000 | 98,722,000 | 94,423,000 | 98,319,000 |
| Noninterest-bearing deposits | 16,672,000 | 16,451,000 | 21,134,000 | 14,861,000 |
| Equity capital | 15,567,000 | 15,129,000 | 14,975,000 | 14,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,114,000 | 2,292,000 | 3,436,000 | 4,583,000 |
| Interest expense | 101,000 | 197,000 | 291,000 | 377,000 |
| Net interest income | 1,013,000 | 2,095,000 | 3,145,000 | 4,206,000 |
| Noninterest income | 114,000 | 258,000 | 405,000 | 519,000 |
| Noninterest expense | 907,000 | 1,923,000 | 2,845,000 | 3,817,000 |
| Provision for loan losses | 45,000 | 42,000 | 87,000 | 132,000 |
| Pretax income | 206,000 | 443,000 | 673,000 | 839,000 |
| Income tax | 27,000 | 90,000 | 125,000 | 156,000 |
| Net income | 179,000 | 353,000 | 548,000 | 683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,194,000 | 15,278,000 | 15,383,000 | 15,424,000 |
| Total capital | 16,011,000 | 16,116,000 | 16,225,000 | 16,290,000 |
| Risk-weighted assets | 64,893,000 | 66,627,000 | 67,187,000 | 69,132,000 |