Call reports 2009
FIRST BANK RICHMOND — 2009
What FIRST BANK RICHMOND reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 650,272,000 | 642,561,000 | 637,122,000 | 635,380,000 |
| Total loans | 521,303,000 | 521,147,000 | 519,369,000 | 512,521,000 |
| Allowance for loan losses | 5,954,000 | 14,810,000 | 13,262,000 | 12,004,000 |
| Securities available for sale | 58,242,000 | 65,048,000 | 66,280,000 | 62,936,000 |
| Securities held to maturity | 7,521,000 | 8,256,000 | 8,221,000 | 8,221,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 450,520,000 | 446,651,000 | 442,068,000 | 441,404,000 |
| Interest-bearing deposits | 415,615,000 | 411,031,000 | 410,653,000 | 409,823,000 |
| Noninterest-bearing deposits | 34,905,000 | 35,620,000 | 31,415,000 | 31,581,000 |
| Equity capital | 62,711,000 | 57,232,000 | 57,968,000 | 56,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 10,112,000 | 19,137,000 | 28,488,000 | 37,490,000 |
| Interest expense | 4,645,000 | 9,260,000 | 13,611,000 | 17,802,000 |
| Net interest income | 5,467,000 | 9,877,000 | 14,877,000 | 19,688,000 |
| Noninterest income | 749,000 | 1,368,000 | 2,429,000 | 3,368,000 |
| Noninterest expense | 3,831,000 | 8,155,000 | 12,354,000 | 16,332,000 |
| Provision for loan losses | 1,900,000 | 11,850,000 | 12,798,000 | 17,984,000 |
| Pretax income | 555,000 | -8,721,000 | -7,770,000 | -11,178,000 |
| Income tax | 288,000 | -3,247,000 | -2,963,000 | -4,301,000 |
| Net income | 267,000 | -5,474,000 | -4,807,000 | -6,877,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,949,000 | 56,278,000 | 56,956,000 | 52,266,000 |
| Total capital | 67,903,000 | 62,652,000 | 63,301,000 | 58,540,000 |
| Risk-weighted assets | 508,346,000 | 500,928,000 | 499,715,000 | 495,643,000 |