Call reports 2013
RICHLAND STATE BANK — 2013
What RICHLAND STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 253,318,000 | 252,409,000 | 266,702,000 | 273,989,000 |
| Total loans | 126,922,000 | 143,780,000 | 129,009,000 | 127,775,000 |
| Allowance for loan losses | 1,710,000 | 1,733,000 | 1,712,000 | 1,636,000 |
| Securities available for sale | 52,072,000 | 47,033,000 | 52,547,000 | 68,940,000 |
| Securities held to maturity | 33,026,000 | 32,723,000 | 33,109,000 | 36,098,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,753,000 | 225,233,000 | 238,754,000 | 245,669,000 |
| Interest-bearing deposits | 174,484,000 | 173,010,000 | 180,753,000 | 183,859,000 |
| Noninterest-bearing deposits | 51,269,000 | 52,223,000 | 58,001,000 | 61,810,000 |
| Equity capital | 25,890,000 | 25,195,000 | 25,648,000 | 26,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,643,000 | 5,414,000 | 8,193,000 | 10,816,000 |
| Interest expense | 230,000 | 466,000 | 714,000 | 962,000 |
| Net interest income | 2,413,000 | 4,948,000 | 7,479,000 | 9,854,000 |
| Noninterest income | 535,000 | 1,094,000 | 1,655,000 | 2,265,000 |
| Noninterest expense | 2,083,000 | 4,366,000 | 6,438,000 | 8,667,000 |
| Provision for loan losses | 45,000 | 45,000 | 45,000 | 45,000 |
| Pretax income | 820,000 | 1,631,000 | 2,710,000 | 3,466,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 820,000 | 1,631,000 | 2,710,000 | 3,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,870,000 | 24,810,000 | 25,602,000 | 26,263,000 |
| Total capital | 26,580,000 | 26,543,000 | 27,314,000 | 27,899,000 |
| Risk-weighted assets | 153,440,000 | 165,726,000 | 154,779,000 | 155,781,000 |
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