Call reports 2012
FIRST BANK RICHMOND — 2012
What FIRST BANK RICHMOND reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 521,007,000 | 521,791,000 | 530,150,000 | 528,791,000 |
| Total loans | 350,797,000 | 343,728,000 | 331,201,000 | 315,838,000 |
| Allowance for loan losses | 7,998,000 | 8,269,000 | 8,408,000 | 7,057,000 |
| Securities available for sale | 79,220,000 | 87,847,000 | 106,553,000 | 141,896,000 |
| Securities held to maturity | 6,776,000 | 8,313,000 | 8,758,000 | 8,435,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 368,530,000 | 371,560,000 | 379,772,000 | 380,692,000 |
| Interest-bearing deposits | 324,193,000 | 317,289,000 | 322,784,000 | 320,827,000 |
| Noninterest-bearing deposits | 44,337,000 | 54,271,000 | 56,988,000 | 59,865,000 |
| Equity capital | 53,007,000 | 53,583,000 | 54,177,000 | 54,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,114,000 | 11,999,000 | 18,251,000 | 23,729,000 |
| Interest expense | 1,733,000 | 3,263,000 | 4,778,000 | 6,215,000 |
| Net interest income | 4,381,000 | 8,736,000 | 13,473,000 | 17,514,000 |
| Noninterest income | 766,000 | 2,263,000 | 3,497,000 | 4,360,000 |
| Noninterest expense | 4,648,000 | 8,695,000 | 12,614,000 | 16,503,000 |
| Provision for loan losses | 1,000 | 928,000 | 2,298,000 | 2,898,000 |
| Pretax income | 566,000 | 1,538,000 | 2,437,000 | 2,854,000 |
| Income tax | 109,000 | 426,000 | 724,000 | 807,000 |
| Net income | 457,000 | 1,112,000 | 1,713,000 | 2,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,733,000 | 46,495,000 | 47,543,000 | 47,899,000 |
| Total capital | 51,133,000 | 50,917,000 | 51,778,000 | 52,150,000 |
| Risk-weighted assets | 347,736,000 | 349,008,000 | 334,317,000 | 336,228,000 |