Call reports 2005
STATE BANK OF RICHMOND — 2005
What STATE BANK OF RICHMOND reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 64,473,000 | 64,408,000 | 65,295,000 | 65,371,000 |
| Total loans | 38,450,000 | 39,673,000 | 39,964,000 | 40,152,000 |
| Allowance for loan losses | 582,000 | 595,000 | 607,000 | 613,000 |
| Securities available for sale | 22,460,000 | 21,934,000 | 21,757,000 | 21,978,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,237,000 | 55,882,000 | 56,619,000 | 56,737,000 |
| Interest-bearing deposits | 48,904,000 | 48,847,000 | 49,089,000 | 49,261,000 |
| Noninterest-bearing deposits | 7,333,000 | 7,035,000 | 7,530,000 | 7,476,000 |
| Equity capital | 7,853,000 | 8,208,000 | 8,270,000 | 8,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 779,000 | 1,606,000 | 2,446,000 | 3,327,000 |
| Interest expense | 221,000 | 470,000 | 747,000 | 1,051,000 |
| Net interest income | 558,000 | 1,136,000 | 1,699,000 | 2,276,000 |
| Noninterest income | 65,000 | 135,000 | 212,000 | 277,000 |
| Noninterest expense | 320,000 | 660,000 | 1,028,000 | 1,423,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 291,000 | 572,000 | 832,000 | 1,067,000 |
| Income tax | 91,000 | 182,000 | 274,000 | 362,000 |
| Net income | 200,000 | 390,000 | 558,000 | 705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,091,000 | 8,281,000 | 8,449,000 | 8,596,000 |
| Total capital | 8,547,000 | 8,746,000 | 8,923,000 | 9,074,000 |
| Risk-weighted assets | 36,368,000 | 37,046,000 | 37,818,000 | 38,705,000 |