Call reports 2011
STATE BANK OF RICHMOND — 2011
What STATE BANK OF RICHMOND reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 86,719,000 | 85,160,000 | 86,378,000 | 86,335,000 |
| Total loans | 35,892,000 | 36,435,000 | 35,802,000 | 34,737,000 |
| Allowance for loan losses | 725,000 | 751,000 | 779,000 | 817,000 |
| Securities available for sale | 38,408,000 | 38,536,000 | 37,509,000 | 40,005,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,270,000 | 73,092,000 | 73,803,000 | 73,639,000 |
| Interest-bearing deposits | 65,793,000 | 63,679,000 | 63,819,000 | 64,106,000 |
| Noninterest-bearing deposits | 9,477,000 | 9,413,000 | 9,984,000 | 9,533,000 |
| Equity capital | 11,074,000 | 11,579,000 | 11,944,000 | 12,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 838,000 | 1,662,000 | 2,495,000 | 3,293,000 |
| Interest expense | 171,000 | 325,000 | 466,000 | 596,000 |
| Net interest income | 667,000 | 1,337,000 | 2,029,000 | 2,697,000 |
| Noninterest income | 72,000 | 125,000 | 211,000 | 313,000 |
| Noninterest expense | 435,000 | 878,000 | 1,311,000 | 1,820,000 |
| Provision for loan losses | 45,000 | 65,000 | 95,000 | 95,000 |
| Pretax income | 253,000 | 528,000 | 853,000 | 1,114,000 |
| Income tax | 114,000 | 227,000 | 341,000 | 263,000 |
| Net income | 139,000 | 301,000 | 512,000 | 851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,871,000 | 11,033,000 | 11,244,000 | 11,583,000 |
| Total capital | 11,459,000 | 11,617,000 | 11,823,000 | 12,160,000 |
| Risk-weighted assets | 46,963,000 | 46,565,000 | 46,646,000 | 45,936,000 |