Call reports 2016
BANK OF RICHMONDVILLE — 2016
What BANK OF RICHMONDVILLE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 142,545,000 | 137,476,000 | 149,046,000 | 141,974,000 |
| Total loans | 87,352,000 | 86,467,000 | 86,467,000 | 85,602,000 |
| Allowance for loan losses | 1,229,000 | 1,192,000 | 1,197,000 | 1,057,000 |
| Securities available for sale | 34,765,000 | 34,819,000 | 33,993,000 | 38,095,000 |
| Securities held to maturity | 1,366,000 | 1,405,000 | 1,643,000 | 1,582,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,807,000 | 118,817,000 | 131,909,000 | 122,373,000 |
| Interest-bearing deposits | 106,308,000 | 100,072,000 | 110,706,000 | 105,135,000 |
| Noninterest-bearing deposits | 19,499,000 | 18,745,000 | 21,203,000 | 17,238,000 |
| Equity capital | 16,243,000 | 16,593,000 | 16,569,000 | 16,090,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,198,000 | 2,378,000 | 3,556,000 | 4,753,000 |
| Interest expense | 63,000 | 118,000 | 171,000 | 238,000 |
| Net interest income | 1,135,000 | 2,260,000 | 3,385,000 | 4,515,000 |
| Noninterest income | 145,000 | 307,000 | 440,000 | 566,000 |
| Noninterest expense | 988,000 | 1,973,000 | 2,935,000 | 3,913,000 |
| Provision for loan losses | 36,000 | 72,000 | 108,000 | 144,000 |
| Pretax income | 255,000 | 521,000 | 781,000 | 1,023,000 |
| Income tax | 81,000 | 126,000 | 187,000 | 210,000 |
| Net income | 174,000 | 395,000 | 594,000 | 813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,177,000 | 16,308,000 | 16,413,000 | 16,536,000 |
| Total capital | 17,041,000 | 17,163,000 | 17,278,000 | 17,406,000 |
| Risk-weighted assets | 68,789,000 | 68,026,000 | 68,833,000 | 69,394,000 |