Call reports 2007
STATE BANK OF RICHMOND — 2007
What STATE BANK OF RICHMOND reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 67,251,000 | 67,119,000 | 69,928,000 | 71,408,000 |
| Total loans | 40,254,000 | 39,605,000 | 41,010,000 | 41,931,000 |
| Allowance for loan losses | 641,000 | 655,000 | 665,000 | 653,000 |
| Securities available for sale | 23,750,000 | 24,008,000 | 25,992,000 | 24,979,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,627,000 | 57,451,000 | 59,837,000 | 60,995,000 |
| Interest-bearing deposits | 50,275,000 | 50,452,000 | 52,279,000 | 52,648,000 |
| Noninterest-bearing deposits | 7,352,000 | 6,999,000 | 7,558,000 | 8,347,000 |
| Equity capital | 9,060,000 | 9,150,000 | 9,500,000 | 9,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 951,000 | 1,925,000 | 2,939,000 | 3,971,000 |
| Interest expense | 422,000 | 871,000 | 1,334,000 | 1,808,000 |
| Net interest income | 529,000 | 1,054,000 | 1,605,000 | 2,163,000 |
| Noninterest income | 65,000 | 156,000 | 250,000 | 345,000 |
| Noninterest expense | 356,000 | 707,000 | 1,081,000 | 1,470,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 36,000 |
| Pretax income | 210,000 | 463,000 | 717,000 | 981,000 |
| Income tax | 84,000 | 164,000 | 245,000 | 339,000 |
| Net income | 126,000 | 299,000 | 472,000 | 642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,185,000 | 9,358,000 | 9,531,000 | 9,701,000 |
| Total capital | 9,688,000 | 9,891,000 | 10,077,000 | 10,259,000 |
| Risk-weighted assets | 42,888,000 | 42,555,000 | 43,607,000 | 44,624,000 |