Call reports 2009
RICHLAND STATE BANK — 2009
What RICHLAND STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 207,232,000 | 203,923,000 | 207,832,000 | 208,164,000 |
| Total loans | 114,347,000 | 118,905,000 | 114,120,000 | 107,467,000 |
| Allowance for loan losses | 1,294,000 | 1,452,000 | 1,362,000 | 1,168,000 |
| Securities available for sale | 52,163,000 | 44,574,000 | 41,958,000 | 45,023,000 |
| Securities held to maturity | 19,336,000 | 20,352,000 | 22,921,000 | 24,767,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,733,000 | 175,479,000 | 174,467,000 | 181,339,000 |
| Interest-bearing deposits | 138,668,000 | 134,198,000 | 134,601,000 | 138,055,000 |
| Noninterest-bearing deposits | 44,064,000 | 41,281,000 | 39,866,000 | 43,284,000 |
| Equity capital | 19,185,000 | 19,306,000 | 20,372,000 | 21,113,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,751,000 | 5,548,000 | 8,338,000 | 10,958,000 |
| Interest expense | 584,000 | 1,143,000 | 1,658,000 | 2,124,000 |
| Net interest income | 2,167,000 | 4,405,000 | 6,680,000 | 8,834,000 |
| Noninterest income | 430,000 | 929,000 | 1,433,000 | 1,924,000 |
| Noninterest expense | 1,789,000 | 3,694,000 | 5,594,000 | 7,531,000 |
| Provision for loan losses | 275,000 | 550,000 | 625,000 | 625,000 |
| Pretax income | 533,000 | 1,107,000 | 1,912,000 | 2,620,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 533,000 | 1,107,000 | 1,912,000 | 2,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,009,000 | 18,268,000 | 18,868,000 | 19,578,000 |
| Total capital | 19,303,000 | 19,720,000 | 20,230,000 | 20,746,000 |
| Risk-weighted assets | 129,639,000 | 133,917,000 | 132,238,000 | 128,857,000 |
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