Call reports 2016
RICHLAND STATE BANK — 2016
What RICHLAND STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 294,415,000 | 297,013,000 | 298,644,000 | 282,890,000 |
| Total loans | 189,474,000 | 196,554,000 | 198,082,000 | 190,088,000 |
| Allowance for loan losses | 2,363,000 | 2,450,000 | 1,723,000 | 1,455,000 |
| Securities available for sale | 45,507,000 | 43,116,000 | 39,585,000 | 36,364,000 |
| Securities held to maturity | 32,310,000 | 32,788,000 | 32,294,000 | 31,541,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,588,000 | 238,360,000 | 240,017,000 | 242,656,000 |
| Interest-bearing deposits | 189,313,000 | 178,052,000 | 180,052,000 | 176,411,000 |
| Noninterest-bearing deposits | 67,275,000 | 60,308,000 | 59,965,000 | 66,245,000 |
| Equity capital | 30,547,000 | 31,341,000 | 31,856,000 | 31,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,126,000 | 6,250,000 | 9,460,000 | 12,573,000 |
| Interest expense | 162,000 | 336,000 | 528,000 | 707,000 |
| Net interest income | 2,964,000 | 5,914,000 | 8,932,000 | 11,866,000 |
| Noninterest income | 865,000 | 1,446,000 | 2,005,000 | 2,746,000 |
| Noninterest expense | 2,605,000 | 4,982,000 | 7,550,000 | 10,081,000 |
| Provision for loan losses | 684,000 | 774,000 | 904,000 | 994,000 |
| Pretax income | 551,000 | 1,639,000 | 2,537,000 | 3,591,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 551,000 | 1,639,000 | 2,537,000 | 3,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,917,000 | 30,547,000 | 31,127,000 | 32,106,000 |
| Total capital | 32,280,000 | 32,997,000 | 32,850,000 | 33,561,000 |
| Risk-weighted assets | 220,285,000 | 225,906,000 | 223,977,000 | 215,870,000 |