Call reports 2015
FIRST BANK RICHMOND — 2015
What FIRST BANK RICHMOND reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 510,154,000 | 519,006,000 | 527,432,000 | 551,870,000 |
| Total loans | 291,790,000 | 296,051,000 | 309,365,000 | 332,020,000 |
| Allowance for loan losses | 4,759,000 | 4,473,000 | 4,174,000 | 4,305,000 |
| Securities available for sale | 149,477,000 | 166,537,000 | 160,402,000 | 158,401,000 |
| Securities held to maturity | 15,054,000 | 20,579,000 | 23,164,000 | 26,337,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 393,265,000 | 413,693,000 | 422,097,000 | 429,022,000 |
| Interest-bearing deposits | 317,188,000 | 348,043,000 | 352,575,000 | 355,726,000 |
| Noninterest-bearing deposits | 76,077,000 | 65,650,000 | 69,522,000 | 73,296,000 |
| Equity capital | 57,897,000 | 56,331,000 | 58,168,000 | 57,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,976,000 | 9,953,000 | 15,077,000 | 20,433,000 |
| Interest expense | 717,000 | 1,423,000 | 2,152,000 | 2,872,000 |
| Net interest income | 4,259,000 | 8,530,000 | 12,925,000 | 17,561,000 |
| Noninterest income | 635,000 | 1,340,000 | 2,041,000 | 2,509,000 |
| Noninterest expense | 3,950,000 | 7,705,000 | 11,723,000 | 16,132,000 |
| Provision for loan losses | 225,000 | 450,000 | 600,000 | 830,000 |
| Pretax income | 831,000 | 1,840,000 | 2,787,000 | 3,265,000 |
| Income tax | 250,000 | 562,000 | 841,000 | 872,000 |
| Net income | 581,000 | 1,278,000 | 1,946,000 | 2,393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,834,000 | 53,050,000 | 53,967,000 | 54,572,000 |
| Total capital | 56,937,000 | 57,187,000 | 58,173,000 | 58,898,000 |
| Risk-weighted assets | 324,950,000 | 328,112,000 | 338,229,000 | 359,606,000 |