Call reports 2004
STATE BANK OF RICHMOND — 2004
What STATE BANK OF RICHMOND reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 61,357,000 | 63,990,000 | 65,432,000 | 65,115,000 |
| Total loans | 34,287,000 | 36,513,000 | 37,570,000 | 38,346,000 |
| Allowance for loan losses | 549,000 | 561,000 | 571,000 | 574,000 |
| Securities available for sale | 24,312,000 | 22,409,000 | 24,253,000 | 23,391,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,307,000 | 56,247,000 | 57,185,000 | 56,934,000 |
| Interest-bearing deposits | 47,176,000 | 49,201,000 | 49,535,000 | 49,078,000 |
| Noninterest-bearing deposits | 6,131,000 | 7,046,000 | 7,650,000 | 7,856,000 |
| Equity capital | 7,698,000 | 7,480,000 | 7,916,000 | 7,941,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 721,000 | 1,456,000 | 2,236,000 | 3,023,000 |
| Interest expense | 197,000 | 392,000 | 596,000 | 806,000 |
| Net interest income | 524,000 | 1,064,000 | 1,640,000 | 2,217,000 |
| Noninterest income | 63,000 | 130,000 | 197,000 | 262,000 |
| Noninterest expense | 303,000 | 627,000 | 975,000 | 1,367,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 272,000 | 543,000 | 815,000 | 1,054,000 |
| Income tax | 76,000 | 164,000 | 252,000 | 354,000 |
| Net income | 196,000 | 379,000 | 563,000 | 700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,467,000 | 7,650,000 | 7,835,000 | 7,971,000 |
| Total capital | 7,874,000 | 8,089,000 | 8,281,000 | 8,424,000 |
| Risk-weighted assets | 32,394,000 | 34,944,000 | 35,585,000 | 36,108,000 |