Call reports 2012
RICHLAND STATE BANK — 2012
What RICHLAND STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 235,187,000 | 244,173,000 | 240,131,000 | 242,692,000 |
| Total loans | 111,817,000 | 133,099,000 | 123,616,000 | 121,170,000 |
| Allowance for loan losses | 1,721,000 | 1,726,000 | 1,775,000 | 1,643,000 |
| Securities available for sale | 57,609,000 | 55,747,000 | 49,836,000 | 54,452,000 |
| Securities held to maturity | 29,777,000 | 30,581,000 | 31,743,000 | 34,498,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,157,000 | 206,662,000 | 209,572,000 | 214,611,000 |
| Interest-bearing deposits | 160,080,000 | 157,869,000 | 156,951,000 | 159,632,000 |
| Noninterest-bearing deposits | 49,077,000 | 48,793,000 | 52,621,000 | 54,979,000 |
| Equity capital | 24,556,000 | 24,782,000 | 25,540,000 | 26,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,538,000 | 5,182,000 | 7,870,000 | 10,396,000 |
| Interest expense | 247,000 | 493,000 | 726,000 | 951,000 |
| Net interest income | 2,291,000 | 4,689,000 | 7,144,000 | 9,445,000 |
| Noninterest income | 669,000 | 1,286,000 | 1,847,000 | 2,561,000 |
| Noninterest expense | 2,062,000 | 4,248,000 | 6,319,000 | 8,405,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 180,000 |
| Pretax income | 838,000 | 1,607,000 | 2,498,000 | 3,427,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 838,000 | 1,607,000 | 2,498,000 | 3,427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,298,000 | 23,375,000 | 24,069,000 | 24,997,000 |
| Total capital | 25,019,000 | 25,101,000 | 25,844,000 | 26,640,000 |
| Risk-weighted assets | 139,584,000 | 157,598,000 | 151,239,000 | 148,168,000 |