Call reports 2006
FIRST BANK RICHMOND — 2006
What FIRST BANK RICHMOND reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 558,167,000 | 569,863,000 | 574,677,000 | 589,769,000 |
| Total loans | 450,973,000 | 469,715,000 | 472,347,000 | 476,352,000 |
| Allowance for loan losses | 5,590,000 | 5,645,000 | 5,720,000 | 5,904,000 |
| Securities available for sale | 56,970,000 | 54,234,000 | 55,485,000 | 59,707,000 |
| Securities held to maturity | 5,440,000 | 5,439,000 | 5,530,000 | 6,465,000 |
| Trading assets | 2,860,000 | 2,808,000 | 2,920,000 | 2,905,000 |
| Total deposits | 375,663,000 | 375,907,000 | 377,756,000 | 399,551,000 |
| Interest-bearing deposits | 335,095,000 | 336,219,000 | 337,114,000 | 356,261,000 |
| Noninterest-bearing deposits | 40,568,000 | 39,688,000 | 40,642,000 | 43,290,000 |
| Equity capital | 57,534,000 | 58,005,000 | 59,944,000 | 61,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 9,823,000 | 20,012,000 | 30,389,000 | 41,050,000 |
| Interest expense | 4,218,000 | 8,834,000 | 13,695,000 | 18,848,000 |
| Net interest income | 5,605,000 | 11,178,000 | 16,694,000 | 22,202,000 |
| Noninterest income | 815,000 | 1,423,000 | 2,542,000 | 3,392,000 |
| Noninterest expense | 3,628,000 | 7,450,000 | 11,315,000 | 15,238,000 |
| Provision for loan losses | 900,000 | 1,875,000 | 2,895,000 | 3,870,000 |
| Pretax income | 1,892,000 | 3,276,000 | 5,026,000 | 6,482,000 |
| Income tax | 640,000 | 1,106,000 | 1,670,000 | 2,129,000 |
| Net income | 1,252,000 | 2,170,000 | 3,356,000 | 4,353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,932,000 | 58,854,000 | 60,077,000 | 61,099,000 |
| Total capital | 63,522,000 | 64,499,000 | 65,797,000 | 67,003,000 |
| Risk-weighted assets | 462,256,000 | 476,520,000 | 485,719,000 | 502,648,000 |