Call reports 2011
RICHLAND STATE BANK — 2011
What RICHLAND STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 219,787,000 | 218,014,000 | 221,665,000 | 222,790,000 |
| Total loans | 107,544,000 | 115,059,000 | 108,943,000 | 106,857,000 |
| Allowance for loan losses | 1,673,000 | 1,758,000 | 1,787,000 | 1,664,000 |
| Securities available for sale | 44,130,000 | 44,301,000 | 49,068,000 | 54,850,000 |
| Securities held to maturity | 27,299,000 | 27,326,000 | 28,100,000 | 30,186,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,159,000 | 193,256,000 | 195,919,000 | 196,654,000 |
| Interest-bearing deposits | 150,224,000 | 145,363,000 | 143,459,000 | 147,190,000 |
| Noninterest-bearing deposits | 45,935,000 | 47,893,000 | 52,460,000 | 49,464,000 |
| Equity capital | 22,384,000 | 23,279,000 | 23,961,000 | 24,345,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,567,000 | 5,080,000 | 7,562,000 | 10,109,000 |
| Interest expense | 311,000 | 609,000 | 879,000 | 1,131,000 |
| Net interest income | 2,256,000 | 4,471,000 | 6,683,000 | 8,978,000 |
| Noninterest income | 495,000 | 1,384,000 | 2,013,000 | 2,675,000 |
| Noninterest expense | 2,071,000 | 4,178,000 | 6,142,000 | 8,435,000 |
| Provision for loan losses | 100,000 | 130,000 | 130,000 | 130,000 |
| Pretax income | 594,000 | 1,572,000 | 2,478,000 | 3,142,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 594,000 | 1,572,000 | 2,478,000 | 3,142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,309,000 | 21,966,000 | 22,591,000 | 23,173,000 |
| Total capital | 22,982,000 | 23,724,000 | 24,378,000 | 24,837,000 |
| Risk-weighted assets | 134,793,000 | 141,553,000 | 144,217,000 | 134,035,000 |