Call reports 2016
FIRST BANK RICHMOND — 2016
What FIRST BANK RICHMOND reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 550,291,000 | 541,798,000 | 552,202,000 | 691,031,000 |
| Total loans | 339,423,000 | 346,645,000 | 356,546,000 | 468,582,000 |
| Allowance for loan losses | 4,480,000 | 4,862,000 | 4,513,000 | 5,394,000 |
| Securities available for sale | 151,232,000 | 109,916,000 | 123,553,000 | 145,950,000 |
| Securities held to maturity | 25,839,000 | 25,566,000 | 26,089,000 | 24,859,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 410,584,000 | 414,587,000 | 415,610,000 | 519,582,000 |
| Interest-bearing deposits | 349,677,000 | 351,635,000 | 354,934,000 | 451,255,000 |
| Noninterest-bearing deposits | 60,907,000 | 62,952,000 | 60,676,000 | 68,327,000 |
| Equity capital | 59,393,000 | 60,589,000 | 61,346,000 | 71,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,321,000 | 10,712,000 | 16,036,000 | 26,456,000 |
| Interest expense | 795,000 | 1,641,000 | 2,526,000 | 4,123,000 |
| Net interest income | 4,526,000 | 9,071,000 | 13,510,000 | 22,333,000 |
| Noninterest income | 551,000 | 1,483,000 | 2,276,000 | 4,149,000 |
| Noninterest expense | 3,955,000 | 8,016,000 | 12,002,000 | 21,240,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,155,000 |
| Pretax income | 839,000 | 2,027,000 | 2,984,000 | 4,426,000 |
| Income tax | 206,000 | 555,000 | 809,000 | 1,054,000 |
| Net income | 633,000 | 1,472,000 | 2,175,000 | 3,372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,383,000 | 56,324,000 | 57,252,000 | 71,064,000 |
| Total capital | 59,882,000 | 61,114,000 | 61,786,000 | 76,458,000 |
| Risk-weighted assets | 369,538,000 | 378,718,000 | 398,702,000 | 541,927,000 |