Call reports 2005
BANK OF RICHMOND, NATIONAL ASSOCIATION, THE — 2005
What BANK OF RICHMOND, NATIONAL ASSOCIATION, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 112,993,000 | 121,489,000 | 121,542,000 | 137,371,000 |
| Total loans | 99,569,000 | 102,805,000 | 108,681,000 | 115,761,000 |
| Allowance for loan losses | 1,246,000 | 1,285,000 | 1,339,000 | 1,447,000 |
| Securities available for sale | 1,025,000 | 1,017,000 | 2,016,000 | 2,023,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,129,000 | 103,921,000 | 103,360,000 | 118,945,000 |
| Interest-bearing deposits | 85,374,000 | 89,823,000 | 91,856,000 | 107,039,000 |
| Noninterest-bearing deposits | 10,755,000 | 14,098,000 | 11,504,000 | 11,906,000 |
| Equity capital | 15,529,000 | 15,931,000 | 16,331,000 | 16,744,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,760,000 | 3,714,000 | 5,865,000 | 8,261,000 |
| Interest expense | 443,000 | 933,000 | 1,549,000 | 2,296,000 |
| Net interest income | 1,317,000 | 2,781,000 | 4,316,000 | 5,965,000 |
| Noninterest income | 146,000 | 326,000 | 521,000 | 679,000 |
| Noninterest expense | 946,000 | 1,934,000 | 2,993,000 | 4,056,000 |
| Provision for loan losses | 88,000 | 135,000 | 194,000 | 302,000 |
| Pretax income | 429,000 | 1,038,000 | 1,650,000 | 2,286,000 |
| Income tax | 146,000 | 353,000 | 561,000 | 780,000 |
| Net income | 283,000 | 685,000 | 1,089,000 | 1,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,537,000 | 15,939,000 | 16,343,000 | 16,760,000 |
| Total capital | 16,783,000 | 17,224,000 | 17,682,000 | 18,207,000 |
| Risk-weighted assets | 107,334,000 | 111,595,000 | 120,291,000 | 124,665,000 |
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