Call reports 2012
STATE BANK OF RICHMOND — 2012
What STATE BANK OF RICHMOND reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 87,561,000 | 86,260,000 | 86,305,000 | 84,019,000 |
| Total loans | 34,581,000 | 34,503,000 | 34,394,000 | 34,564,000 |
| Allowance for loan losses | 852,000 | 880,000 | 880,000 | 0 |
| Securities available for sale | 39,382,000 | 38,175,000 | 40,436,000 | 38,720,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,938,000 | 73,476,000 | 73,415,000 | 73,609,000 |
| Interest-bearing deposits | 64,447,000 | 62,820,000 | 61,977,000 | 62,308,000 |
| Noninterest-bearing deposits | 10,491,000 | 10,656,000 | 11,438,000 | 11,301,000 |
| Equity capital | 12,089,000 | 12,310,000 | 12,317,000 | 9,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 768,000 | 1,517,000 | 2,242,000 | 2,953,000 |
| Interest expense | 117,000 | 223,000 | 318,000 | 406,000 |
| Net interest income | 651,000 | 1,294,000 | 1,924,000 | 2,547,000 |
| Noninterest income | 80,000 | 123,000 | 195,000 | 891,000 |
| Noninterest expense | 403,000 | 823,000 | 1,250,000 | 2,133,000 |
| Provision for loan losses | 30,000 | 30,000 | 0 | 0 |
| Pretax income | 298,000 | 564,000 | 869,000 | 1,305,000 |
| Income tax | 109,000 | 214,000 | 318,000 | 437,000 |
| Net income | 189,000 | 350,000 | 551,000 | 868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,447,000 | 11,608,000 | 11,564,000 | 8,982,000 |
| Total capital | 12,025,000 | 12,183,000 | 12,139,000 | 8,982,000 |
| Risk-weighted assets | 45,964,000 | 45,694,000 | 45,539,000 | 45,640,000 |