Call reports 2007
RICHLAND STATE BANK — 2007
What RICHLAND STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 166,254,000 | 168,905,000 | 178,448,000 | 182,560,000 |
| Total loans | 86,659,000 | 101,715,000 | 96,362,000 | 97,938,000 |
| Allowance for loan losses | 901,000 | 771,000 | 789,000 | 996,000 |
| Securities available for sale | 41,041,000 | 38,276,000 | 43,597,000 | 48,125,000 |
| Securities held to maturity | 13,193,000 | 13,941,000 | 14,090,000 | 15,120,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,261,000 | 145,412,000 | 155,989,000 | 163,831,000 |
| Interest-bearing deposits | 110,452,000 | 111,465,000 | 119,101,000 | 118,971,000 |
| Noninterest-bearing deposits | 34,809,000 | 33,947,000 | 36,888,000 | 44,860,000 |
| Equity capital | 18,698,000 | 19,014,000 | 19,670,000 | 16,295,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,709,000 | 5,637,000 | 8,626,000 | 11,592,000 |
| Interest expense | 877,000 | 1,821,000 | 2,857,000 | 3,863,000 |
| Net interest income | 1,832,000 | 3,816,000 | 5,769,000 | 7,729,000 |
| Noninterest income | 400,000 | 884,000 | 1,288,000 | 1,802,000 |
| Noninterest expense | 1,687,000 | 3,309,000 | 5,041,000 | 6,525,000 |
| Provision for loan losses | 45,000 | 175,000 | 245,000 | 620,000 |
| Pretax income | 500,000 | 1,216,000 | 1,771,000 | 2,332,000 |
| Income tax | 131,000 | 324,000 | 478,000 | 865,000 |
| Net income | 369,000 | 892,000 | 1,293,000 | 1,467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,757,000 | 19,282,000 | 19,682,000 | 15,855,000 |
| Total capital | 19,658,000 | 20,053,000 | 20,471,000 | 16,851,000 |
| Risk-weighted assets | 106,183,000 | 117,405,000 | 115,348,000 | 117,216,000 |
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