Call reports 2010
RICHLAND STATE BANK — 2010
What RICHLAND STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 206,044,000 | 207,218,000 | 208,393,000 | 211,288,000 |
| Total loans | 110,343,000 | 115,701,000 | 111,475,000 | 107,034,000 |
| Allowance for loan losses | 1,481,000 | 1,604,000 | 1,605,000 | 1,679,000 |
| Securities available for sale | 43,456,000 | 37,156,000 | 33,900,000 | 42,063,000 |
| Securities held to maturity | 25,779,000 | 25,934,000 | 26,660,000 | 28,626,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,780,000 | 184,398,000 | 184,659,000 | 187,283,000 |
| Interest-bearing deposits | 140,896,000 | 143,718,000 | 143,630,000 | 143,894,000 |
| Noninterest-bearing deposits | 42,884,000 | 40,680,000 | 41,029,000 | 43,389,000 |
| Equity capital | 21,131,000 | 21,475,000 | 22,117,000 | 22,400,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,655,000 | 5,219,000 | 7,898,000 | 10,469,000 |
| Interest expense | 403,000 | 772,000 | 1,136,000 | 1,477,000 |
| Net interest income | 2,252,000 | 4,447,000 | 6,762,000 | 8,992,000 |
| Noninterest income | 410,000 | 921,000 | 1,404,000 | 1,961,000 |
| Noninterest expense | 1,809,000 | 3,833,000 | 5,666,000 | 7,779,000 |
| Provision for loan losses | 140,000 | 243,000 | 243,000 | 243,000 |
| Pretax income | 713,000 | 1,292,000 | 2,261,000 | 2,935,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 713,000 | 1,292,000 | 2,261,000 | 2,935,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,711,000 | 19,934,000 | 20,700,000 | 21,375,000 |
| Total capital | 21,192,000 | 21,538,000 | 22,305,000 | 23,054,000 |
| Risk-weighted assets | 130,086,000 | 133,772,000 | 134,156,000 | 133,787,000 |
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