Call reports 2004
BANK OF RICHMOND, NATIONAL ASSOCIATION, THE — 2004
What BANK OF RICHMOND, NATIONAL ASSOCIATION, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 112,030,000 | 116,509,000 | 109,520,000 | 111,408,000 |
| Total loans | 82,110,000 | 82,921,000 | 88,120,000 | 92,576,000 |
| Allowance for loan losses | 1,026,000 | 1,057,000 | 1,101,000 | 1,157,000 |
| Securities available for sale | 9,470,000 | 13,539,000 | 9,107,000 | 1,130,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,189,000 | 100,507,000 | 93,451,000 | 94,984,000 |
| Interest-bearing deposits | 86,972,000 | 91,457,000 | 83,502,000 | 83,560,000 |
| Noninterest-bearing deposits | 9,218,000 | 9,050,000 | 9,949,000 | 11,424,000 |
| Equity capital | 14,488,000 | 14,668,000 | 14,887,000 | 15,206,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,397,000 | 2,858,000 | 4,373,000 | 6,054,000 |
| Interest expense | 441,000 | 886,000 | 1,341,000 | 1,791,000 |
| Net interest income | 956,000 | 1,972,000 | 3,032,000 | 4,263,000 |
| Noninterest income | 130,000 | 259,000 | 406,000 | 555,000 |
| Noninterest expense | 814,000 | 1,643,000 | 2,477,000 | 3,294,000 |
| Provision for loan losses | 108,000 | 146,000 | 194,000 | 262,000 |
| Pretax income | 164,000 | 442,000 | 767,000 | 1,262,000 |
| Income tax | 56,000 | 150,000 | 261,000 | 434,000 |
| Net income | 108,000 | 292,000 | 506,000 | 828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,488,000 | 14,672,000 | 14,886,000 | 15,208,000 |
| Total capital | 15,514,000 | 15,729,000 | 15,987,000 | 16,365,000 |
| Risk-weighted assets | 95,022,000 | 96,430,000 | 98,805,000 | 100,369,000 |