Call reports 2010
STATE BANK OF RICHMOND — 2010
What STATE BANK OF RICHMOND reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 80,913,000 | 79,395,000 | 88,367,000 | 86,410,000 |
| Total loans | 40,953,000 | 40,779,000 | 38,591,000 | 37,343,000 |
| Allowance for loan losses | 742,000 | 766,000 | 812,000 | 764,000 |
| Securities available for sale | 31,220,000 | 29,217,000 | 35,921,000 | 38,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,139,000 | 67,368,000 | 75,820,000 | 75,011,000 |
| Interest-bearing deposits | 61,811,000 | 59,225,000 | 65,810,000 | 64,569,000 |
| Noninterest-bearing deposits | 7,328,000 | 8,143,000 | 10,010,000 | 10,442,000 |
| Equity capital | 11,295,000 | 11,592,000 | 11,958,000 | 11,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 942,000 | 1,861,000 | 2,767,000 | 3,641,000 |
| Interest expense | 252,000 | 481,000 | 697,000 | 894,000 |
| Net interest income | 690,000 | 1,380,000 | 2,070,000 | 2,747,000 |
| Noninterest income | 88,000 | 188,000 | 319,000 | 389,000 |
| Noninterest expense | 406,000 | 824,000 | 1,229,000 | 1,660,000 |
| Provision for loan losses | 45,000 | 85,000 | 130,000 | 195,000 |
| Pretax income | 327,000 | 659,000 | 1,038,000 | 1,289,000 |
| Income tax | 94,000 | 202,000 | 310,000 | 527,000 |
| Net income | 233,000 | 457,000 | 728,000 | 762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,903,000 | 11,127,000 | 11,398,000 | 10,957,000 |
| Total capital | 11,502,000 | 11,721,000 | 12,001,000 | 11,555,000 |
| Risk-weighted assets | 47,823,000 | 47,390,000 | 48,119,000 | 47,552,000 |