Call reports 2002
RICHLAND STATE BANK — 2002
What RICHLAND STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 31,328,000 | 29,265,000 | 38,670,000 | 37,377,000 |
| Total loans | 16,207,000 | 16,266,000 | 23,551,000 | 18,576,000 |
| Allowance for loan losses | 123,000 | 140,000 | 140,000 | 145,000 |
| Securities available for sale | 10,980,000 | 10,760,000 | 10,437,000 | 10,264,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,615,000 | 24,986,000 | 34,224,000 | 32,782,000 |
| Interest-bearing deposits | 23,982,000 | 22,967,000 | 30,611,000 | 25,780,000 |
| Noninterest-bearing deposits | 2,633,000 | 2,019,000 | 3,613,000 | 7,002,000 |
| Equity capital | 4,457,000 | 4,043,000 | 4,249,000 | 4,423,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 442,000 | 841,000 | 1,255,000 | 1,615,000 |
| Interest expense | 176,000 | 340,000 | 503,000 | 647,000 |
| Net interest income | 266,000 | 501,000 | 752,000 | 968,000 |
| Noninterest income | 366,000 | 671,000 | 1,085,000 | 1,356,000 |
| Noninterest expense | 363,000 | 711,000 | 1,243,000 | 1,541,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 269,000 | 461,000 | 594,000 | 783,000 |
| Income tax | 8,000 | 13,000 | 19,000 | 19,000 |
| Net income | 261,000 | 448,000 | 575,000 | 764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,436,000 | 3,873,000 | 4,001,000 | 4,189,000 |
| Total capital | 4,559,000 | 4,013,000 | 4,141,000 | 4,334,000 |
| Risk-weighted assets | 18,282,000 | 17,957,000 | 25,452,000 | 21,411,000 |