Call reports 2017
RICHLAND STATE BANK — 2017
What RICHLAND STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 284,909,000 | 285,640,000 | 297,804,000 | 304,177,000 |
| Total loans | 191,807,000 | 197,993,000 | 199,870,000 | 191,311,000 |
| Allowance for loan losses | 1,422,000 | 1,524,000 | 1,596,000 | 1,683,000 |
| Securities available for sale | 35,484,000 | 35,122,000 | 33,766,000 | 42,988,000 |
| Securities held to maturity | 27,633,000 | 28,895,000 | 29,443,000 | 29,230,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,690,000 | 244,320,000 | 251,906,000 | 267,510,000 |
| Interest-bearing deposits | 188,328,000 | 183,796,000 | 186,166,000 | 199,312,000 |
| Noninterest-bearing deposits | 62,362,000 | 60,524,000 | 65,740,000 | 68,198,000 |
| Equity capital | 31,759,000 | 32,485,000 | 32,879,000 | 33,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,155,000 | 6,338,000 | 9,670,000 | 12,982,000 |
| Interest expense | 187,000 | 385,000 | 645,000 | 929,000 |
| Net interest income | 2,968,000 | 5,953,000 | 9,025,000 | 12,053,000 |
| Noninterest income | 563,000 | 1,244,000 | 1,785,000 | 2,597,000 |
| Noninterest expense | 2,648,000 | 5,134,000 | 7,802,000 | 10,371,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 793,000 | 1,883,000 | 2,738,000 | 3,919,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 793,000 | 1,883,000 | 2,738,000 | 3,919,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,832,000 | 32,273,000 | 32,713,000 | 33,818,000 |
| Total capital | 33,254,000 | 33,797,000 | 34,309,000 | 35,501,000 |
| Risk-weighted assets | 219,698,000 | 223,197,000 | 225,225,000 | 219,995,000 |