Call reports 2004
FIRST BANK RICHMOND — 2004
What FIRST BANK RICHMOND reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 579,643,000 | 556,844,000 | 554,537,000 | 565,815,000 |
| Total loans | 444,535,000 | 441,230,000 | 452,103,000 | 462,654,000 |
| Allowance for loan losses | 5,369,000 | 5,779,000 | 5,939,000 | 6,000,000 |
| Securities available for sale | 88,514,000 | 69,142,000 | 63,923,000 | 60,791,000 |
| Securities held to maturity | 2,570,000 | 2,558,000 | 2,936,000 | 3,277,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,067,000 | 372,113,000 | 353,463,000 | 343,090,000 |
| Interest-bearing deposits | 345,378,000 | 332,983,000 | 315,762,000 | 304,006,000 |
| Noninterest-bearing deposits | 36,689,000 | 39,130,000 | 37,701,000 | 39,084,000 |
| Equity capital | 52,462,000 | 52,081,000 | 52,612,000 | 53,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 9,534,000 | 18,862,000 | 28,410,000 | 38,023,000 |
| Interest expense | 4,333,000 | 8,405,000 | 12,388,000 | 16,409,000 |
| Net interest income | 5,201,000 | 10,457,000 | 16,022,000 | 21,614,000 |
| Noninterest income | 718,000 | 1,629,000 | 2,355,000 | 3,138,000 |
| Noninterest expense | 3,464,000 | 7,024,000 | 10,680,000 | 14,285,000 |
| Provision for loan losses | 1,307,000 | 2,404,000 | 3,171,000 | 4,196,000 |
| Pretax income | 1,364,000 | 2,875,000 | 4,742,000 | 6,487,000 |
| Income tax | 446,000 | 992,000 | 1,549,000 | 2,124,000 |
| Net income | 918,000 | 1,883,000 | 3,193,000 | 4,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,697,000 | 51,618,000 | 51,940,000 | 53,085,000 |
| Total capital | 57,066,000 | 57,086,000 | 57,488,000 | 58,855,000 |
| Risk-weighted assets | 453,506,000 | 437,153,000 | 443,419,000 | 461,368,000 |