Call reports 2005
RICHLAND STATE BANK — 2005
What RICHLAND STATE BANK 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 | 146,184,000 | 146,370,000 | 146,974,000 | 153,780,000 |
| Total loans | 88,418,000 | 98,885,000 | 94,823,000 | 87,976,000 |
| Allowance for loan losses | 1,285,000 | 1,231,000 | 1,220,000 | 1,095,000 |
| Securities available for sale | 22,551,000 | 21,216,000 | 19,725,000 | 26,705,000 |
| Securities held to maturity | 9,168,000 | 10,601,000 | 10,205,000 | 11,575,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,057,000 | 124,763,000 | 124,728,000 | 131,626,000 |
| Interest-bearing deposits | 97,427,000 | 96,459,000 | 94,370,000 | 96,010,000 |
| Noninterest-bearing deposits | 27,630,000 | 28,304,000 | 30,358,000 | 35,616,000 |
| Equity capital | 16,089,000 | 16,437,000 | 16,837,000 | 16,829,000 |
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 | 2,006,000 | 4,123,000 | 6,397,000 | 8,668,000 |
| Interest expense | 408,000 | 899,000 | 1,437,000 | 2,014,000 |
| Net interest income | 1,598,000 | 3,224,000 | 4,960,000 | 6,654,000 |
| Noninterest income | 385,000 | 750,000 | 1,128,000 | 1,529,000 |
| Noninterest expense | 1,458,000 | 2,965,000 | 4,545,000 | 5,915,000 |
| Provision for loan losses | 50,000 | 95,000 | 95,000 | 95,000 |
| Pretax income | 475,000 | 914,000 | 1,448,000 | 2,161,000 |
| Income tax | 123,000 | 246,000 | 369,000 | 567,000 |
| Net income | 352,000 | 668,000 | 1,079,000 | 1,594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,281,000 | 16,592,000 | 17,003,000 | 17,045,000 |
| Total capital | 17,557,000 | 17,823,000 | 18,223,000 | 18,140,000 |
| Risk-weighted assets | 102,090,000 | 108,135,000 | 105,715,000 | 103,540,000 |
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