Call reports 2004
RICHLAND STATE BANK — 2004
What RICHLAND STATE BANK 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 | 126,140,000 | 134,025,000 | 138,700,000 | 132,732,000 |
| Total loans | 69,520,000 | 81,364,000 | 83,619,000 | 83,999,000 |
| Allowance for loan losses | 1,296,000 | 1,238,000 | 1,239,000 | 1,205,000 |
| Securities available for sale | 29,683,000 | 26,132,000 | 24,535,000 | 23,012,000 |
| Securities held to maturity | 10,217,000 | 10,868,000 | 10,378,000 | 10,048,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,753,000 | 105,548,000 | 107,808,000 | 115,016,000 |
| Interest-bearing deposits | 82,561,000 | 82,210,000 | 82,327,000 | 86,744,000 |
| Noninterest-bearing deposits | 24,192,000 | 23,338,000 | 25,481,000 | 28,272,000 |
| Equity capital | 15,238,000 | 15,350,000 | 15,927,000 | 15,848,000 |
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 | 1,648,000 | 3,373,000 | 5,209,000 | 7,178,000 |
| Interest expense | 306,000 | 610,000 | 936,000 | 1,316,000 |
| Net interest income | 1,342,000 | 2,763,000 | 4,273,000 | 5,862,000 |
| Noninterest income | 376,000 | 832,000 | 1,239,000 | 1,618,000 |
| Noninterest expense | 1,300,000 | 2,571,000 | 4,008,000 | 5,425,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 25,000 |
| Pretax income | 418,000 | 1,024,000 | 1,479,000 | 2,030,000 |
| Income tax | 120,000 | 259,000 | 390,000 | 528,000 |
| Net income | 298,000 | 765,000 | 1,089,000 | 1,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,193,000 | 15,660,000 | 15,984,000 | 15,930,000 |
| Total capital | 16,227,000 | 16,813,000 | 17,175,000 | 17,135,000 |
| Risk-weighted assets | 82,434,000 | 92,172,000 | 95,218,000 | 97,218,000 |
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