Call reports 2018
RICHLAND STATE BANK — 2018
What RICHLAND STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 |
|---|---|---|---|
| Total assets | 304,994,000 | 300,954,000 | 306,868,000 |
| Total loans | 188,655,000 | 197,304,000 | 200,721,000 |
| Allowance for loan losses | 1,802,000 | 1,835,000 | 1,787,000 |
| Securities available for sale | 40,372,000 | 42,428,000 | 40,024,000 |
| Securities held to maturity | 27,619,000 | 27,640,000 | 26,682,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 269,894,000 | 264,823,000 | 269,574,000 |
| Interest-bearing deposits | 202,454,000 | 201,044,000 | 205,416,000 |
| Noninterest-bearing deposits | 67,440,000 | 63,779,000 | 64,158,000 |
| Equity capital | 32,545,000 | 33,268,000 | 34,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 |
|---|---|---|---|
| Interest income | 3,391,000 | 6,867,000 | 10,477,000 |
| Interest expense | 280,000 | 578,000 | 916,000 |
| Net interest income | 3,111,000 | 6,289,000 | 9,561,000 |
| Noninterest income | 530,000 | 1,450,000 | 2,203,000 |
| Noninterest expense | 2,763,000 | 5,312,000 | 7,951,000 |
| Provision for loan losses | 90,000 | 120,000 | 170,000 |
| Pretax income | 788,000 | 2,307,000 | 3,643,000 |
| Income tax | 0 | 0 | 0 |
| Net income | 788,000 | 2,307,000 | 3,643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 |
|---|---|---|---|
| Tier 1 capital | 33,339,000 | 34,212,000 | 35,128,000 |
| Total capital | 35,141,000 | 36,047,000 | 36,915,000 |
| Risk-weighted assets | 222,517,000 | 225,673,000 | 228,189,000 |
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