Call reports 2007
FIRST BANK RICHMOND — 2007
What FIRST BANK RICHMOND reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 590,216,000 | 599,133,000 | 606,449,000 | 653,393,000 |
| Total loans | 472,055,000 | 488,726,000 | 497,507,000 | 513,333,000 |
| Allowance for loan losses | 6,050,000 | 6,193,000 | 5,561,000 | 5,503,000 |
| Securities available for sale | 59,935,000 | 58,753,000 | 60,077,000 | 60,455,000 |
| Securities held to maturity | 6,665,000 | 12,784,000 | 13,108,000 | 8,107,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 409,925,000 | 410,316,000 | 406,121,000 | 484,480,000 |
| Interest-bearing deposits | 371,189,000 | 365,718,000 | 371,697,000 | 444,815,000 |
| Noninterest-bearing deposits | 38,736,000 | 44,598,000 | 34,424,000 | 39,665,000 |
| Equity capital | 62,302,000 | 62,222,000 | 58,768,000 | 59,449,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 10,499,000 | 21,158,000 | 32,212,000 | 43,527,000 |
| Interest expense | 5,199,000 | 10,528,000 | 16,204,000 | 22,192,000 |
| Net interest income | 5,300,000 | 10,630,000 | 16,008,000 | 21,335,000 |
| Noninterest income | 1,075,000 | 1,727,000 | 2,563,000 | 3,409,000 |
| Noninterest expense | 3,561,000 | 7,776,000 | 11,724,000 | 15,763,000 |
| Provision for loan losses | 975,000 | 2,025,000 | 3,075,000 | 4,125,000 |
| Pretax income | 1,839,000 | 2,556,000 | 3,795,000 | 4,878,000 |
| Income tax | 557,000 | 856,000 | 1,256,000 | 1,604,000 |
| Net income | 1,282,000 | 1,700,000 | 2,539,000 | 3,274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,410,000 | 62,820,000 | 58,665,000 | 59,367,000 |
| Total capital | 68,460,000 | 69,013,000 | 64,226,000 | 64,870,000 |
| Risk-weighted assets | 504,142,000 | 513,666,000 | 514,501,000 | 522,688,000 |