Call reports 2015
BANK OF RICHMONDVILLE — 2015
What BANK OF RICHMONDVILLE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 134,749,000 | 135,137,000 | 138,174,000 | 139,509,000 |
| Total loans | 84,548,000 | 84,616,000 | 83,348,000 | 87,933,000 |
| Allowance for loan losses | 1,149,000 | 1,175,000 | 1,231,000 | 1,202,000 |
| Securities available for sale | 33,376,000 | 34,740,000 | 36,744,000 | 37,094,000 |
| Securities held to maturity | 1,471,000 | 1,443,000 | 1,346,000 | 1,410,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,322,000 | 117,921,000 | 121,167,000 | 116,607,000 |
| Interest-bearing deposits | 101,916,000 | 101,466,000 | 99,068,000 | 98,420,000 |
| Noninterest-bearing deposits | 16,406,000 | 16,455,000 | 22,099,000 | 18,187,000 |
| Equity capital | 15,719,000 | 15,453,000 | 15,729,000 | 15,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,140,000 | 2,301,000 | 3,469,000 | 4,637,000 |
| Interest expense | 63,000 | 128,000 | 191,000 | 253,000 |
| Net interest income | 1,077,000 | 2,173,000 | 3,278,000 | 4,384,000 |
| Noninterest income | 110,000 | 223,000 | 348,000 | 477,000 |
| Noninterest expense | 987,000 | 1,948,000 | 2,896,000 | 3,864,000 |
| Provision for loan losses | 54,000 | 108,000 | 162,000 | 184,000 |
| Pretax income | 146,000 | 338,000 | 580,000 | 825,000 |
| Income tax | 21,000 | 64,000 | 117,000 | 95,000 |
| Net income | 125,000 | 274,000 | 463,000 | 730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,763,000 | 15,822,000 | 15,921,000 | 16,094,000 |
| Total capital | 16,588,000 | 16,655,000 | 16,756,000 | 16,968,000 |
| Risk-weighted assets | 65,666,000 | 66,268,000 | 66,407,000 | 69,616,000 |