Call reports 2001
RICHLAND STATE BANK — 2001
What RICHLAND STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 28,501,000 | 26,389,000 | 29,508,000 | 34,636,000 |
| Total loans | 12,060,000 | 12,303,000 | 14,351,000 | 14,296,000 |
| Allowance for loan losses | 118,000 | 118,000 | 118,000 | 124,000 |
| Securities available for sale | 12,622,000 | 10,442,000 | 10,606,000 | 11,176,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,561,000 | 22,326,000 | 25,095,000 | 30,084,000 |
| Interest-bearing deposits | 22,036,000 | 20,260,000 | 21,056,000 | 21,123,000 |
| Noninterest-bearing deposits | 2,525,000 | 2,066,000 | 4,039,000 | 8,961,000 |
| Equity capital | 3,594,000 | 3,760,000 | 4,116,000 | 4,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 630,000 | 1,145,000 | 1,683,000 | 2,115,000 |
| Interest expense | 375,000 | 669,000 | 945,000 | 1,140,000 |
| Net interest income | 255,000 | 476,000 | 738,000 | 975,000 |
| Noninterest income | 140,000 | 244,000 | 588,000 | 952,000 |
| Noninterest expense | 142,000 | 284,000 | 628,000 | 936,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 253,000 | 436,000 | 698,000 | 991,000 |
| Income tax | 8,000 | 14,000 | 23,000 | 53,000 |
| Net income | 245,000 | 422,000 | 675,000 | 938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,482,000 | 3,660,000 | 3,913,000 | 4,175,000 |
| Total capital | 3,600,000 | 3,778,000 | 4,031,000 | 4,299,000 |
| Risk-weighted assets | 13,926,000 | 14,262,000 | 16,490,000 | 17,296,000 |
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