Call reports 2014
BANK OF RICHMONDVILLE — 2014
What BANK OF RICHMONDVILLE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 136,748,000 | 133,634,000 | 135,238,000 | 130,251,000 |
| Total loans | 84,266,000 | 84,847,000 | 85,281,000 | 85,457,000 |
| Allowance for loan losses | 959,000 | 981,000 | 1,020,000 | 1,095,000 |
| Securities available for sale | 34,183,000 | 34,568,000 | 32,890,000 | 32,901,000 |
| Securities held to maturity | 1,326,000 | 1,328,000 | 1,232,000 | 1,515,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,008,000 | 114,734,000 | 115,161,000 | 112,425,000 |
| Interest-bearing deposits | 104,484,000 | 98,958,000 | 94,066,000 | 95,913,000 |
| Noninterest-bearing deposits | 16,524,000 | 15,776,000 | 21,095,000 | 16,512,000 |
| Equity capital | 15,021,000 | 15,251,000 | 15,408,000 | 15,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,148,000 | 2,321,000 | 3,517,000 | 4,684,000 |
| Interest expense | 72,000 | 141,000 | 211,000 | 277,000 |
| Net interest income | 1,076,000 | 2,180,000 | 3,306,000 | 4,407,000 |
| Noninterest income | 111,000 | 223,000 | 350,000 | 467,000 |
| Noninterest expense | 986,000 | 1,973,000 | 2,944,000 | 3,900,000 |
| Provision for loan losses | 50,000 | 110,000 | 150,000 | 225,000 |
| Pretax income | 178,000 | 347,000 | 601,000 | 797,000 |
| Income tax | 23,000 | 45,000 | 103,000 | 127,000 |
| Net income | 155,000 | 302,000 | 498,000 | 670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,490,000 | 15,546,000 | 15,652,000 | 15,729,000 |
| Total capital | 16,381,000 | 16,440,000 | 16,537,000 | 16,612,000 |
| Risk-weighted assets | 71,204,000 | 71,391,000 | 70,608,000 | 70,415,000 |