Call reports 2006
RICHLAND STATE BANK — 2006
What RICHLAND STATE BANK 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 | 152,337,000 | 151,594,000 | 154,564,000 | 162,924,000 |
| Total loans | 85,865,000 | 93,698,000 | 92,453,000 | 83,493,000 |
| Allowance for loan losses | 1,079,000 | 1,071,000 | 926,000 | 941,000 |
| Securities available for sale | 25,870,000 | 25,874,000 | 31,358,000 | 42,303,000 |
| Securities held to maturity | 11,816,000 | 11,676,000 | 12,101,000 | 13,877,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,031,000 | 131,631,000 | 133,758,000 | 142,244,000 |
| Interest-bearing deposits | 99,704,000 | 101,372,000 | 101,782,000 | 105,095,000 |
| Noninterest-bearing deposits | 33,327,000 | 30,259,000 | 31,976,000 | 37,149,000 |
| Equity capital | 17,235,000 | 17,651,000 | 18,240,000 | 18,274,000 |
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 | 2,340,000 | 4,786,000 | 7,364,000 | 9,956,000 |
| Interest expense | 594,000 | 1,231,000 | 1,963,000 | 2,778,000 |
| Net interest income | 1,746,000 | 3,555,000 | 5,401,000 | 7,178,000 |
| Noninterest income | 390,000 | 833,000 | 1,257,000 | 1,683,000 |
| Noninterest expense | 1,582,000 | 3,120,000 | 4,758,000 | 6,339,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 554,000 | 1,269,000 | 1,901,000 | 2,454,000 |
| Income tax | 148,000 | 334,000 | 491,000 | 633,000 |
| Net income | 406,000 | 935,000 | 1,410,000 | 1,821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,451,000 | 17,970,000 | 18,445,000 | 18,389,000 |
| Total capital | 18,530,000 | 19,041,000 | 19,371,000 | 19,330,000 |
| Risk-weighted assets | 101,520,000 | 106,430,000 | 106,391,000 | 102,032,000 |
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