Call reports 2006
BANK OF RICHMOND, NATIONAL ASSOCIATION, THE — 2006
What BANK OF RICHMOND, NATIONAL ASSOCIATION, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 144,155,000 | 160,444,000 | 168,446,000 | 180,097,000 |
| Total loans | 124,902,000 | 138,115,000 | 147,715,000 | 142,418,000 |
| Allowance for loan losses | 1,447,000 | 1,521,000 | 1,629,000 | 1,629,000 |
| Securities available for sale | 5,025,000 | 5,507,000 | 5,745,000 | 5,775,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,281,000 | 141,862,000 | 149,053,000 | 158,283,000 |
| Interest-bearing deposits | 112,958,000 | 128,797,000 | 137,098,000 | 144,168,000 |
| Noninterest-bearing deposits | 12,323,000 | 13,065,000 | 11,955,000 | 14,115,000 |
| Equity capital | 17,195,000 | 17,746,000 | 18,325,000 | 19,030,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,584,000 | 5,487,000 | 8,816,000 | 12,286,000 |
| Interest expense | 912,000 | 1,957,000 | 3,301,000 | 4,846,000 |
| Net interest income | 1,672,000 | 3,530,000 | 5,515,000 | 7,440,000 |
| Noninterest income | 142,000 | 283,000 | 413,000 | 602,000 |
| Noninterest expense | 1,108,000 | 2,208,000 | 3,366,000 | 4,608,000 |
| Provision for loan losses | 8,000 | 82,000 | 191,000 | 191,000 |
| Pretax income | 698,000 | 1,523,000 | 2,371,000 | 3,243,000 |
| Income tax | 238,000 | 517,000 | 809,000 | 1,140,000 |
| Net income | 460,000 | 1,006,000 | 1,562,000 | 2,103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,220,000 | 17,781,000 | 18,336,000 | 19,035,000 |
| Total capital | 18,667,000 | 19,302,000 | 19,965,000 | 20,664,000 |
| Risk-weighted assets | 132,965,000 | 146,338,000 | 162,177,000 | 162,057,000 |