Call reports 2003
STATE BANK OF RICHMOND — 2003
What STATE BANK OF RICHMOND reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 58,123,000 | 59,001,000 | 59,995,000 | 61,773,000 |
| Total loans | 30,144,000 | 31,538,000 | 32,816,000 | 33,724,000 |
| Allowance for loan losses | 529,000 | 531,000 | 528,000 | 536,000 |
| Securities available for sale | 23,726,000 | 22,957,000 | 23,321,000 | 23,900,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,723,000 | 51,353,000 | 52,358,000 | 54,122,000 |
| Interest-bearing deposits | 44,492,000 | 44,607,000 | 45,327,000 | 46,723,000 |
| Noninterest-bearing deposits | 6,231,000 | 6,746,000 | 7,031,000 | 7,399,000 |
| Equity capital | 7,102,000 | 7,327,000 | 7,325,000 | 7,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 751,000 | 1,484,000 | 2,213,000 | 2,940,000 |
| Interest expense | 246,000 | 475,000 | 690,000 | 896,000 |
| Net interest income | 505,000 | 1,009,000 | 1,523,000 | 2,044,000 |
| Noninterest income | 69,000 | 143,000 | 224,000 | 284,000 |
| Noninterest expense | 289,000 | 600,000 | 919,000 | 1,290,000 |
| Provision for loan losses | 11,000 | 21,000 | 32,000 | 44,000 |
| Pretax income | 274,000 | 531,000 | 796,000 | 994,000 |
| Income tax | 90,000 | 181,000 | 271,000 | 357,000 |
| Net income | 184,000 | 350,000 | 525,000 | 637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,899,000 | 7,064,000 | 7,239,000 | 7,351,000 |
| Total capital | 7,272,000 | 7,448,000 | 7,643,000 | 7,761,000 |
| Risk-weighted assets | 29,656,000 | 30,541,000 | 32,217,000 | 32,671,000 |