Call reports 2014
STATE BANK OF RICHMOND — 2014
What STATE BANK OF RICHMOND reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 88,034,000 | 87,496,000 | 87,421,000 | 88,230,000 |
| Total loans | 44,617,000 | 48,781,000 | 49,790,000 | 49,800,000 |
| Allowance for loan losses | 150,000 | 196,000 | 242,000 | 313,000 |
| Securities available for sale | 30,881,000 | 31,106,000 | 30,593,000 | 29,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,621,000 | 77,036,000 | 76,448,000 | 77,511,000 |
| Interest-bearing deposits | 66,675,000 | 66,493,000 | 65,694,000 | 65,786,000 |
| Noninterest-bearing deposits | 10,946,000 | 10,543,000 | 10,754,000 | 11,725,000 |
| Equity capital | 9,425,000 | 9,627,000 | 9,874,000 | 9,943,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 679,000 | 1,363,000 | 2,102,000 | 2,871,000 |
| Interest expense | 71,000 | 141,000 | 214,000 | 285,000 |
| Net interest income | 608,000 | 1,222,000 | 1,888,000 | 2,586,000 |
| Noninterest income | 72,000 | 137,000 | 203,000 | 281,000 |
| Noninterest expense | 429,000 | 895,000 | 1,371,000 | 1,892,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 207,000 |
| Pretax income | 219,000 | 387,000 | 598,000 | 786,000 |
| Income tax | 6,000 | 0 | 0 | 0 |
| Net income | 213,000 | 387,000 | 598,000 | 786,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,538,000 | 9,551,000 | 9,770,000 | 9,798,000 |
| Total capital | 9,688,000 | 9,747,000 | 10,012,000 | 10,111,000 |
| Risk-weighted assets | 51,524,000 | 54,942,000 | 55,680,000 | 54,846,000 |