Call reports 2010
FIRST BANK RICHMOND — 2010
What FIRST BANK RICHMOND reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 610,930,000 | 600,190,000 | 573,737,000 | 554,644,000 |
| Total loans | 500,284,000 | 483,287,000 | 466,304,000 | 456,611,000 |
| Allowance for loan losses | 11,886,000 | 12,055,000 | 10,394,000 | 10,594,000 |
| Securities available for sale | 60,766,000 | 52,441,000 | 45,877,000 | 41,008,000 |
| Securities held to maturity | 7,836,000 | 7,836,000 | 7,551,000 | 7,551,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 430,120,000 | 418,858,000 | 402,004,000 | 397,092,000 |
| Interest-bearing deposits | 396,868,000 | 376,830,000 | 366,763,000 | 359,300,000 |
| Noninterest-bearing deposits | 33,252,000 | 42,028,000 | 35,241,000 | 37,792,000 |
| Equity capital | 55,947,000 | 55,986,000 | 56,635,000 | 56,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 8,726,000 | 17,152,000 | 24,963,000 | 32,683,000 |
| Interest expense | 3,722,000 | 7,139,000 | 10,284,000 | 13,047,000 |
| Net interest income | 5,004,000 | 10,013,000 | 14,679,000 | 19,636,000 |
| Noninterest income | 722,000 | 1,684,000 | 2,427,000 | 3,445,000 |
| Noninterest expense | 4,300,000 | 8,168,000 | 12,120,000 | 16,067,000 |
| Provision for loan losses | 1,425,000 | 2,744,000 | 4,993,000 | 6,788,000 |
| Pretax income | 143,000 | 946,000 | 405,000 | 690,000 |
| Income tax | -205,000 | 72,000 | -172,000 | -50,000 |
| Net income | 348,000 | 874,000 | 577,000 | 740,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,698,000 | 53,231,000 | 52,771,000 | 53,021,000 |
| Total capital | 58,757,000 | 59,149,000 | 58,473,000 | 58,610,000 |
| Risk-weighted assets | 478,363,000 | 467,048,000 | 451,197,000 | 441,781,000 |
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