Call reports 2005
FIRST BANK RICHMOND — 2005
What FIRST BANK RICHMOND reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 562,116,000 | 583,675,000 | 558,422,000 | 550,759,000 |
| Total loans | 465,522,000 | 460,471,000 | 452,307,000 | 443,161,000 |
| Allowance for loan losses | 5,615,000 | 5,913,000 | 5,694,000 | 5,659,000 |
| Securities available for sale | 56,796,000 | 59,129,000 | 61,557,000 | 58,093,000 |
| Securities held to maturity | 1,940,000 | 3,134,000 | 3,096,000 | 2,030,000 |
| Trading assets | 0 | 0 | 2,981,000 | 2,962,000 |
| Total deposits | 365,152,000 | 385,148,000 | 374,827,000 | 377,578,000 |
| Interest-bearing deposits | 326,537,000 | 343,784,000 | 336,318,000 | 336,853,000 |
| Noninterest-bearing deposits | 38,615,000 | 41,364,000 | 38,509,000 | 40,725,000 |
| Equity capital | 54,512,000 | 54,874,000 | 55,511,000 | 56,699,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 9,729,000 | 19,565,000 | 29,401,000 | 39,175,000 |
| Interest expense | 4,132,000 | 8,373,000 | 12,682,000 | 16,863,000 |
| Net interest income | 5,597,000 | 11,192,000 | 16,719,000 | 22,312,000 |
| Noninterest income | 858,000 | 1,827,000 | 2,613,000 | 3,574,000 |
| Noninterest expense | 3,942,000 | 7,892,000 | 11,687,000 | 15,316,000 |
| Provision for loan losses | 971,000 | 1,872,000 | 2,771,000 | 3,671,000 |
| Pretax income | 1,549,000 | 3,265,000 | 4,884,000 | 6,909,000 |
| Income tax | 508,000 | 1,099,000 | 1,629,000 | 2,312,000 |
| Net income | 1,041,000 | 2,166,000 | 3,255,000 | 4,597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,121,000 | 54,179,000 | 55,293,000 | 56,665,000 |
| Total capital | 59,736,000 | 59,962,000 | 60,975,000 | 62,316,000 |
| Risk-weighted assets | 462,466,000 | 462,491,000 | 454,517,000 | 452,040,000 |