Call reports 2001
STATE BANK OF RICHMOND — 2001
What STATE BANK OF RICHMOND reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 46,995,000 | 47,931,000 | 50,366,000 | 50,757,000 |
| Total loans | 24,879,000 | 26,691,000 | 26,872,000 | 27,209,000 |
| Allowance for loan losses | 488,000 | 500,000 | 507,000 | 514,000 |
| Securities available for sale | 17,502,000 | 15,476,000 | 18,936,000 | 19,613,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,587,000 | 41,454,000 | 43,425,000 | 43,986,000 |
| Interest-bearing deposits | 35,989,000 | 36,548,000 | 38,184,000 | 38,306,000 |
| Noninterest-bearing deposits | 4,598,000 | 4,906,000 | 5,241,000 | 5,680,000 |
| Equity capital | 5,986,000 | 6,173,000 | 6,498,000 | 6,434,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 853,000 | 1,710,000 | 2,583,000 | 3,433,000 |
| Interest expense | 403,000 | 797,000 | 1,193,000 | 1,560,000 |
| Net interest income | 450,000 | 913,000 | 1,390,000 | 1,873,000 |
| Noninterest income | 36,000 | 86,000 | 149,000 | 214,000 |
| Noninterest expense | 253,000 | 504,000 | 767,000 | 1,163,000 |
| Provision for loan losses | 8,000 | 15,000 | 24,000 | 33,000 |
| Pretax income | 225,000 | 480,000 | 748,000 | 891,000 |
| Income tax | 82,000 | 164,000 | 247,000 | 339,000 |
| Net income | 143,000 | 316,000 | 501,000 | 552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,861,000 | 6,033,000 | 6,218,000 | 6,269,000 |
| Total capital | 6,168,000 | 6,353,000 | 6,550,000 | 6,608,000 |
| Risk-weighted assets | 24,390,000 | 25,447,000 | 26,369,000 | 27,001,000 |