Call reports 2009
STATE BANK OF RICHMOND — 2009
What STATE BANK OF RICHMOND reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 75,543,000 | 75,321,000 | 76,826,000 | 79,716,000 |
| Total loans | 41,197,000 | 41,628,000 | 41,440,000 | 41,137,000 |
| Allowance for loan losses | 699,000 | 702,000 | 674,000 | 696,000 |
| Securities available for sale | 28,864,000 | 28,338,000 | 29,110,000 | 30,238,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,943,000 | 63,793,000 | 64,816,000 | 67,879,000 |
| Interest-bearing deposits | 56,614,000 | 56,832,000 | 57,482,000 | 59,591,000 |
| Noninterest-bearing deposits | 7,329,000 | 6,961,000 | 7,334,000 | 8,288,000 |
| Equity capital | 10,984,000 | 10,991,000 | 11,337,000 | 11,375,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 960,000 | 1,930,000 | 2,902,000 | 3,868,000 |
| Interest expense | 336,000 | 654,000 | 961,000 | 1,246,000 |
| Net interest income | 624,000 | 1,276,000 | 1,941,000 | 2,622,000 |
| Noninterest income | 92,000 | 194,000 | 270,000 | 376,000 |
| Noninterest expense | 381,000 | 807,000 | 1,212,000 | 1,648,000 |
| Provision for loan losses | 15,000 | 30,000 | 48,000 | 113,000 |
| Pretax income | 320,000 | 633,000 | 951,000 | 1,237,000 |
| Income tax | 87,000 | 188,000 | 290,000 | 432,000 |
| Net income | 233,000 | 445,000 | 661,000 | 805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,478,000 | 10,560,000 | 10,776,000 | 10,920,000 |
| Total capital | 11,047,000 | 11,138,000 | 11,358,000 | 11,513,000 |
| Risk-weighted assets | 45,433,000 | 46,183,000 | 46,502,000 | 47,631,000 |