Call reports 2015
STATE BANK OF RICHMOND — 2015
What STATE BANK OF RICHMOND reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 87,972,000 | 85,895,000 | 85,977,000 | 86,991,000 |
| Total loans | 48,567,000 | 47,458,000 | 49,230,000 | 50,671,000 |
| Allowance for loan losses | 337,000 | 470,000 | 516,000 | 536,000 |
| Securities available for sale | 30,310,000 | 27,974,000 | 27,763,000 | 27,763,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,937,000 | 75,631,000 | 75,218,000 | 76,287,000 |
| Interest-bearing deposits | 65,883,000 | 64,342,000 | 63,760,000 | 64,174,000 |
| Noninterest-bearing deposits | 11,054,000 | 11,289,000 | 11,458,000 | 12,113,000 |
| Equity capital | 10,352,000 | 9,634,000 | 10,069,000 | 10,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 714,000 | 1,517,000 | 2,231,000 | 2,945,000 |
| Interest expense | 68,000 | 136,000 | 207,000 | 277,000 |
| Net interest income | 646,000 | 1,381,000 | 2,024,000 | 2,668,000 |
| Noninterest income | 66,000 | 128,000 | 193,000 | 256,000 |
| Noninterest expense | 457,000 | 920,000 | 1,364,000 | 1,892,000 |
| Provision for loan losses | 45,000 | 177,000 | 222,000 | 244,000 |
| Pretax income | 212,000 | 417,000 | 636,000 | 793,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 212,000 | 417,000 | 636,000 | 793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,183,000 | 9,692,000 | 9,914,000 | 10,075,000 |
| Total capital | 10,520,000 | 10,162,000 | 10,430,000 | 10,611,000 |
| Risk-weighted assets | 55,035,000 | 52,707,000 | 55,253,000 | 55,948,000 |