Call reports 2003
FIRST BANK RICHMOND — 2003
What FIRST BANK RICHMOND reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 573,885,000 | 579,491,000 | 567,854,000 | 594,099,000 |
| Total loans | 420,389,000 | 424,287,000 | 430,942,000 | 443,655,000 |
| Allowance for loan losses | 4,623,000 | 4,864,000 | 5,344,000 | 5,364,000 |
| Securities available for sale | 105,402,000 | 99,782,000 | 97,824,000 | 80,664,000 |
| Securities held to maturity | 1,289,000 | 2,607,000 | 2,596,000 | 2,584,000 |
| Trading assets | 588,000 | 0 | 0 | 0 |
| Total deposits | 376,867,000 | 380,263,000 | 366,796,000 | 396,681,000 |
| Interest-bearing deposits | 343,981,000 | 341,914,000 | 332,926,000 | 363,456,000 |
| Noninterest-bearing deposits | 32,886,000 | 38,349,000 | 33,870,000 | 33,225,000 |
| Equity capital | 50,326,000 | 51,432,000 | 51,118,000 | 51,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 9,669,000 | 19,402,000 | 28,703,000 | 38,206,000 |
| Interest expense | 4,777,000 | 9,489,000 | 14,091,000 | 18,555,000 |
| Net interest income | 4,892,000 | 9,913,000 | 14,612,000 | 19,651,000 |
| Noninterest income | -111,000 | 31,000 | 301,000 | 923,000 |
| Noninterest expense | 3,001,000 | 6,212,000 | 9,513,000 | 12,997,000 |
| Provision for loan losses | 1,676,000 | 2,532,000 | 3,836,000 | 4,955,000 |
| Pretax income | 127,000 | 1,313,000 | 2,330,000 | 3,463,000 |
| Income tax | -79,000 | 315,000 | 661,000 | 1,031,000 |
| Net income | 206,000 | 998,000 | 1,669,000 | 2,432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,706,000 | 49,489,000 | 50,106,000 | 50,811,000 |
| Total capital | 53,329,000 | 54,353,000 | 55,425,000 | 56,175,000 |
| Risk-weighted assets | 427,061,000 | 429,713,000 | 425,510,000 | 442,955,000 |