Call reports 2008
STATE BANK OF RICHMOND — 2008
What STATE BANK OF RICHMOND reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 71,697,000 | 71,796,000 | 71,661,000 | 73,940,000 |
| Total loans | 41,603,000 | 42,284,000 | 41,739,000 | 41,735,000 |
| Allowance for loan losses | 637,000 | 653,000 | 665,000 | 682,000 |
| Securities available for sale | 24,239,000 | 25,490,000 | 25,712,000 | 27,967,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,853,000 | 61,185,000 | 60,692,000 | 62,464,000 |
| Interest-bearing deposits | 53,335,000 | 53,371,000 | 53,003,000 | 54,107,000 |
| Noninterest-bearing deposits | 7,518,000 | 7,814,000 | 7,689,000 | 8,357,000 |
| Equity capital | 10,138,000 | 10,031,000 | 10,342,000 | 10,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,012,000 | 2,005,000 | 3,004,000 | 3,981,000 |
| Interest expense | 452,000 | 863,000 | 1,254,000 | 1,623,000 |
| Net interest income | 560,000 | 1,142,000 | 1,750,000 | 2,358,000 |
| Noninterest income | 83,000 | 173,000 | 262,000 | 363,000 |
| Noninterest expense | 360,000 | 717,000 | 1,100,000 | 1,506,000 |
| Provision for loan losses | 12,000 | 27,000 | 42,000 | 60,000 |
| Pretax income | 271,000 | 571,000 | 870,000 | 1,155,000 |
| Income tax | 92,000 | 185,000 | 278,000 | 382,000 |
| Net income | 179,000 | 386,000 | 592,000 | 773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,781,000 | 9,988,000 | 10,194,000 | 10,375,000 |
| Total capital | 10,335,000 | 10,555,000 | 10,755,000 | 10,943,000 |
| Risk-weighted assets | 44,348,000 | 45,313,000 | 44,781,000 | 45,342,000 |