Call reports 2002
STATE BANK OF RICHMOND — 2002
What STATE BANK OF RICHMOND reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 51,313,000 | 52,894,000 | 54,468,000 | 56,091,000 |
| Total loans | 27,445,000 | 28,802,000 | 29,380,000 | 29,523,000 |
| Allowance for loan losses | 526,000 | 532,000 | 543,000 | 517,000 |
| Securities available for sale | 19,178,000 | 19,583,000 | 19,635,000 | 23,864,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,504,000 | 45,868,000 | 47,186,000 | 48,820,000 |
| Interest-bearing deposits | 39,420,000 | 40,342,000 | 40,742,000 | 42,622,000 |
| Noninterest-bearing deposits | 5,084,000 | 5,526,000 | 6,444,000 | 6,198,000 |
| Equity capital | 6,431,000 | 6,745,000 | 6,959,000 | 7,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 806,000 | 1,616,000 | 2,417,000 | 3,190,000 |
| Interest expense | 331,000 | 639,000 | 926,000 | 1,186,000 |
| Net interest income | 475,000 | 977,000 | 1,491,000 | 2,004,000 |
| Noninterest income | 58,000 | 108,000 | 167,000 | 241,000 |
| Noninterest expense | 258,000 | 521,000 | 818,000 | 1,217,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 266,000 | 546,000 | 813,000 | 992,000 |
| Income tax | 89,000 | 177,000 | 266,000 | 367,000 |
| Net income | 177,000 | 369,000 | 547,000 | 625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,346,000 | 6,538,000 | 6,716,000 | 6,794,000 |
| Total capital | 6,691,000 | 6,894,000 | 7,080,000 | 7,156,000 |
| Risk-weighted assets | 27,409,000 | 28,225,000 | 28,954,000 | 28,962,000 |