Call reports 2014
FIRST BANK RICHMOND — 2014
What FIRST BANK RICHMOND reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 509,515,000 | 505,371,000 | 495,305,000 | 492,946,000 |
| Total loans | 296,821,000 | 298,268,000 | 296,759,000 | 297,271,000 |
| Allowance for loan losses | 5,879,000 | 4,769,000 | 5,231,000 | 5,006,000 |
| Securities available for sale | 159,180,000 | 157,599,000 | 141,969,000 | 146,760,000 |
| Securities held to maturity | 6,444,000 | 7,744,000 | 8,697,000 | 11,067,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 412,112,000 | 402,649,000 | 393,209,000 | 380,848,000 |
| Interest-bearing deposits | 334,176,000 | 319,257,000 | 309,346,000 | 301,730,000 |
| Noninterest-bearing deposits | 77,936,000 | 83,392,000 | 83,863,000 | 79,118,000 |
| Equity capital | 53,212,000 | 55,051,000 | 55,289,000 | 56,526,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,389,000 | 10,613,000 | 15,749,000 | 20,773,000 |
| Interest expense | 838,000 | 1,643,000 | 2,447,000 | 3,191,000 |
| Net interest income | 4,551,000 | 8,970,000 | 13,302,000 | 17,582,000 |
| Noninterest income | 668,000 | 1,664,000 | 2,262,000 | 2,914,000 |
| Noninterest expense | 4,277,000 | 8,150,000 | 12,009,000 | 16,036,000 |
| Provision for loan losses | 420,000 | 1,160,000 | 1,500,000 | 1,800,000 |
| Pretax income | 655,000 | 1,498,000 | 2,279,000 | 2,949,000 |
| Income tax | 187,000 | 453,000 | 687,000 | 879,000 |
| Net income | 468,000 | 1,045,000 | 1,592,000 | 2,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,941,000 | 50,976,000 | 51,612,000 | 52,536,000 |
| Total capital | 52,958,000 | 55,006,000 | 55,585,000 | 56,496,000 |
| Risk-weighted assets | 313,394,000 | 315,130,000 | 311,235,000 | 313,687,000 |