Call reports 2008
RICHLAND STATE BANK — 2008
What RICHLAND STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 184,146,000 | 190,060,000 | 192,832,000 | 194,242,000 |
| Total loans | 105,776,000 | 112,865,000 | 109,034,000 | 108,287,000 |
| Allowance for loan losses | 1,014,000 | 1,084,000 | 1,070,000 | 977,000 |
| Securities available for sale | 44,993,000 | 41,419,000 | 39,914,000 | 50,907,000 |
| Securities held to maturity | 15,935,000 | 16,581,000 | 17,542,000 | 17,863,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,117,000 | 163,498,000 | 165,387,000 | 169,787,000 |
| Interest-bearing deposits | 122,264,000 | 123,291,000 | 128,410,000 | 127,922,000 |
| Noninterest-bearing deposits | 38,853,000 | 40,207,000 | 36,977,000 | 41,865,000 |
| Equity capital | 17,161,000 | 17,039,000 | 17,647,000 | 18,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,939,000 | 5,829,000 | 8,641,000 | 11,326,000 |
| Interest expense | 915,000 | 1,755,000 | 2,531,000 | 3,210,000 |
| Net interest income | 2,024,000 | 4,074,000 | 6,110,000 | 8,116,000 |
| Noninterest income | 427,000 | 935,000 | 1,482,000 | 2,029,000 |
| Noninterest expense | 1,789,000 | 3,548,000 | 5,394,000 | 7,124,000 |
| Provision for loan losses | 60,000 | 120,000 | 270,000 | 420,000 |
| Pretax income | 666,000 | 1,440,000 | 2,027,000 | 2,707,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 666,000 | 1,440,000 | 2,027,000 | 2,707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,522,000 | 16,979,000 | 17,416,000 | 17,885,000 |
| Total capital | 17,536,000 | 18,063,000 | 18,486,000 | 18,862,000 |
| Risk-weighted assets | 121,896,000 | 126,836,000 | 123,808,000 | 123,680,000 |
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