Call reports 2017
STATE BANK OF RICHMOND — 2017
What STATE BANK OF RICHMOND reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 92,878,000 | 91,403,000 | 90,473,000 | 92,567,000 |
| Total loans | 68,718,000 | 68,119,000 | 66,586,000 | 61,980,000 |
| Allowance for loan losses | 745,000 | 875,000 | 905,000 | 920,000 |
| Securities available for sale | 16,639,000 | 16,192,000 | 16,982,000 | 18,326,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,516,000 | 80,677,000 | 79,519,000 | 81,848,000 |
| Interest-bearing deposits | 69,884,000 | 68,534,000 | 66,412,000 | 68,463,000 |
| Noninterest-bearing deposits | 12,632,000 | 12,143,000 | 13,107,000 | 13,385,000 |
| Equity capital | 9,787,000 | 10,153,000 | 10,411,000 | 10,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 858,000 | 1,730,000 | 2,595,000 | 3,431,000 |
| Interest expense | 85,000 | 170,000 | 253,000 | 338,000 |
| Net interest income | 773,000 | 1,560,000 | 2,342,000 | 3,093,000 |
| Noninterest income | 80,000 | 149,000 | 203,000 | 264,000 |
| Noninterest expense | 525,000 | 1,022,000 | 1,585,000 | 2,171,000 |
| Provision for loan losses | 75,000 | 135,000 | 150,000 | 165,000 |
| Pretax income | 253,000 | 552,000 | 810,000 | 1,021,000 |
| Income tax | 33,000 | 33,000 | 33,000 | -168,000 |
| Net income | 220,000 | 519,000 | 777,000 | 1,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,636,000 | 9,933,000 | 10,198,000 | 10,276,000 |
| Total capital | 10,381,000 | 10,791,000 | 11,053,000 | 11,076,000 |
| Risk-weighted assets | 69,953,000 | 68,589,000 | 68,304,000 | 63,941,000 |