Call reports 2013
STATE BANK OF RICHMOND — 2013
What STATE BANK OF RICHMOND reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 86,100,000 | 84,184,000 | 86,210,000 | 86,936,000 |
| Total loans | 36,495,000 | 39,331,000 | 39,230,000 | 44,310,000 |
| Allowance for loan losses | 7,000 | 32,000 | 63,000 | 106,000 |
| Securities available for sale | 33,405,000 | 32,005,000 | 35,278,000 | 32,268,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,609,000 | 74,498,000 | 76,072,000 | 76,970,000 |
| Interest-bearing deposits | 64,494,000 | 62,792,000 | 64,415,000 | 65,946,000 |
| Noninterest-bearing deposits | 11,115,000 | 11,706,000 | 11,657,000 | 11,024,000 |
| Equity capital | 9,438,000 | 8,642,000 | 9,055,000 | 9,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 527,000 | 1,083,000 | 1,679,000 | 2,329,000 |
| Interest expense | 84,000 | 163,000 | 241,000 | 316,000 |
| Net interest income | 443,000 | 920,000 | 1,438,000 | 2,013,000 |
| Noninterest income | 64,000 | 128,000 | 204,000 | 267,000 |
| Noninterest expense | 371,000 | 819,000 | 1,259,000 | 1,697,000 |
| Provision for loan losses | 0 | 30,000 | 60,000 | 105,000 |
| Pretax income | 131,000 | 197,000 | 321,000 | 477,000 |
| Income tax | 31,000 | 67,000 | 67,000 | 0 |
| Net income | 100,000 | 130,000 | 254,000 | 477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,083,000 | 9,122,000 | 9,255,000 | 9,315,000 |
| Total capital | 9,090,000 | 9,154,000 | 9,318,000 | 9,421,000 |
| Risk-weighted assets | 48,135,000 | 52,936,000 | 50,215,000 | 54,362,000 |