Call reports 2008
FIRST BANK RICHMOND — 2008
What FIRST BANK RICHMOND reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 620,911,000 | 619,310,000 | 633,615,000 | 630,053,000 |
| Total loans | 509,027,000 | 511,539,000 | 516,497,000 | 526,351,000 |
| Allowance for loan losses | 5,451,000 | 5,582,000 | 5,814,000 | 6,268,000 |
| Securities available for sale | 49,987,000 | 58,529,000 | 58,570,000 | 54,797,000 |
| Securities held to maturity | 7,791,000 | 13,125,000 | 13,089,000 | 8,089,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 442,349,000 | 424,763,000 | 425,999,000 | 437,511,000 |
| Interest-bearing deposits | 407,094,000 | 387,576,000 | 388,048,000 | 403,731,000 |
| Noninterest-bearing deposits | 35,255,000 | 37,187,000 | 37,951,000 | 33,780,000 |
| Equity capital | 60,064,000 | 60,213,000 | 60,601,000 | 62,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 10,979,000 | 21,595,000 | 32,189,000 | 42,667,000 |
| Interest expense | 5,578,000 | 10,735,000 | 15,704,000 | 20,704,000 |
| Net interest income | 5,401,000 | 10,860,000 | 16,485,000 | 21,963,000 |
| Noninterest income | 775,000 | 1,523,000 | 1,912,000 | 2,760,000 |
| Noninterest expense | 3,940,000 | 7,812,000 | 11,659,000 | 15,553,000 |
| Provision for loan losses | 1,594,000 | 2,944,000 | 4,294,000 | 5,799,000 |
| Pretax income | 545,000 | 1,530,000 | 1,878,000 | 3,046,000 |
| Income tax | 176,000 | 500,000 | 549,000 | 883,000 |
| Net income | 369,000 | 1,030,000 | 1,329,000 | 2,163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,763,000 | 60,421,000 | 60,845,000 | 61,677,000 |
| Total capital | 65,214,000 | 66,003,000 | 66,659,000 | 67,945,000 |
| Risk-weighted assets | 512,048,000 | 506,022,000 | 505,798,000 | 508,076,000 |