Call reports 2013
FIRST BANK RICHMOND — 2013
What FIRST BANK RICHMOND reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 509,094,000 | 507,123,000 | 496,361,000 | 522,321,000 |
| Total loans | 310,362,000 | 307,368,000 | 301,995,000 | 301,910,000 |
| Allowance for loan losses | 7,362,000 | 6,277,000 | 6,091,000 | 5,527,000 |
| Securities available for sale | 135,127,000 | 145,129,000 | 142,724,000 | 153,878,000 |
| Securities held to maturity | 8,320,000 | 8,667,000 | 7,644,000 | 6,319,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 384,615,000 | 389,809,000 | 403,532,000 | 426,308,000 |
| Interest-bearing deposits | 334,803,000 | 337,266,000 | 344,750,000 | 337,457,000 |
| Noninterest-bearing deposits | 49,812,000 | 52,543,000 | 58,782,000 | 88,851,000 |
| Equity capital | 54,428,000 | 52,253,000 | 52,189,000 | 52,016,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,275,000 | 10,560,000 | 15,738,000 | 21,074,000 |
| Interest expense | 1,262,000 | 2,392,000 | 3,469,000 | 4,344,000 |
| Net interest income | 4,013,000 | 8,168,000 | 12,269,000 | 16,730,000 |
| Noninterest income | 480,000 | 1,181,000 | 2,068,000 | 2,800,000 |
| Noninterest expense | 3,790,000 | 7,495,000 | 11,501,000 | 15,698,000 |
| Provision for loan losses | 600,000 | 1,400,000 | 2,000,000 | 2,600,000 |
| Pretax income | 146,000 | 536,000 | 921,000 | 1,324,000 |
| Income tax | -18,000 | 63,000 | 145,000 | 246,000 |
| Net income | 164,000 | 473,000 | 776,000 | 1,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,283,000 | 47,372,000 | 47,503,000 | 47,927,000 |
| Total capital | 52,364,000 | 51,391,000 | 51,509,000 | 52,016,000 |
| Risk-weighted assets | 321,194,000 | 316,316,000 | 315,096,000 | 320,758,000 |