Call reports 2011
FIRST BANK RICHMOND — 2011
What FIRST BANK RICHMOND reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 540,861,000 | 546,922,000 | 527,647,000 | 521,408,000 |
| Total loans | 429,677,000 | 413,733,000 | 393,079,000 | 370,414,000 |
| Allowance for loan losses | 16,483,000 | 14,993,000 | 15,295,000 | 9,699,000 |
| Securities available for sale | 45,958,000 | 52,716,000 | 63,096,000 | 73,243,000 |
| Securities held to maturity | 7,037,000 | 7,037,000 | 7,175,000 | 7,211,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,636,000 | 394,831,000 | 382,941,000 | 375,062,000 |
| Interest-bearing deposits | 353,320,000 | 350,788,000 | 337,544,000 | 327,387,000 |
| Noninterest-bearing deposits | 37,316,000 | 44,043,000 | 45,397,000 | 47,675,000 |
| Equity capital | 52,539,000 | 52,542,000 | 52,661,000 | 52,737,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 7,175,000 | 14,221,000 | 20,734,000 | 27,141,000 |
| Interest expense | 2,424,000 | 4,632,000 | 6,703,000 | 8,591,000 |
| Net interest income | 4,751,000 | 9,589,000 | 14,031,000 | 18,550,000 |
| Noninterest income | 739,000 | 1,732,000 | 2,581,000 | 3,503,000 |
| Noninterest expense | 5,155,000 | 9,012,000 | 12,916,000 | 17,075,000 |
| Provision for loan losses | 16,349,000 | 18,511,000 | 19,909,000 | 21,147,000 |
| Pretax income | -16,011,000 | -15,746,000 | -15,035,000 | -14,722,000 |
| Income tax | -6,265,000 | -6,212,000 | -6,024,000 | -5,930,000 |
| Net income | -9,746,000 | -9,534,000 | -9,011,000 | -8,792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,280,000 | 45,461,000 | 45,989,000 | 45,461,000 |
| Total capital | 50,588,000 | 50,611,000 | 50,858,000 | 50,089,000 |
| Risk-weighted assets | 412,444,000 | 400,907,000 | 378,198,000 | 364,440,000 |