Call reports 2006
STATE BANK OF RICHMOND — 2006
What STATE BANK OF RICHMOND reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 65,119,000 | 65,469,000 | 66,072,000 | 66,913,000 |
| Total loans | 40,017,000 | 40,597,000 | 40,676,000 | 40,451,000 |
| Allowance for loan losses | 625,000 | 618,000 | 631,000 | 628,000 |
| Securities available for sale | 21,601,000 | 20,644,000 | 22,296,000 | 22,268,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,249,000 | 56,540,000 | 56,689,000 | 57,504,000 |
| Interest-bearing deposits | 48,814,000 | 42,767,000 | 49,941,000 | 50,095,000 |
| Noninterest-bearing deposits | 7,435,000 | 13,773,000 | 6,748,000 | 7,409,000 |
| Equity capital | 8,410,000 | 8,495,000 | 8,826,000 | 8,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 874,000 | 1,773,000 | 2,712,000 | 3,661,000 |
| Interest expense | 322,000 | 676,000 | 1,065,000 | 1,475,000 |
| Net interest income | 552,000 | 1,097,000 | 1,647,000 | 2,186,000 |
| Noninterest income | 70,000 | 153,000 | 227,000 | 304,000 |
| Noninterest expense | 338,000 | 686,000 | 1,054,000 | 1,465,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 272,000 | 540,000 | 784,000 | 977,000 |
| Income tax | 93,000 | 186,000 | 278,000 | 339,000 |
| Net income | 179,000 | 354,000 | 506,000 | 638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,690,000 | 8,865,000 | 9,017,000 | 9,149,000 |
| Total capital | 9,212,000 | 9,372,000 | 9,525,000 | 9,655,000 |
| Risk-weighted assets | 41,648,000 | 42,856,000 | 42,732,000 | 43,125,000 |