Call reports 2014
RICHLAND STATE BANK — 2014
What RICHLAND STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 279,880,000 | 285,751,000 | 289,011,000 | 289,216,000 |
| Total loans | 135,690,000 | 150,183,000 | 149,625,000 | 143,152,000 |
| Allowance for loan losses | 1,686,000 | 1,709,000 | 1,724,000 | 1,575,000 |
| Securities available for sale | 75,798,000 | 70,551,000 | 67,871,000 | 69,933,000 |
| Securities held to maturity | 35,683,000 | 35,936,000 | 35,339,000 | 34,873,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,725,000 | 241,407,000 | 240,655,000 | 257,562,000 |
| Interest-bearing deposits | 190,133,000 | 183,289,000 | 180,466,000 | 181,436,000 |
| Noninterest-bearing deposits | 61,592,000 | 58,118,000 | 60,189,000 | 76,126,000 |
| Equity capital | 26,272,000 | 27,212,000 | 27,880,000 | 29,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,828,000 | 5,682,000 | 8,692,000 | 11,525,000 |
| Interest expense | 239,000 | 476,000 | 707,000 | 903,000 |
| Net interest income | 2,589,000 | 5,206,000 | 7,985,000 | 10,622,000 |
| Noninterest income | 613,000 | 1,164,000 | 1,713,000 | 2,329,000 |
| Noninterest expense | 2,266,000 | 4,576,000 | 6,737,000 | 9,168,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 936,000 | 1,839,000 | 3,006,000 | 3,828,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 936,000 | 1,839,000 | 3,006,000 | 3,828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,336,000 | 26,788,000 | 27,596,000 | 28,417,000 |
| Total capital | 28,022,000 | 28,497,000 | 29,320,000 | 29,992,000 |
| Risk-weighted assets | 160,935,000 | 173,203,000 | 172,869,000 | 168,446,000 |
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