Call reports 2003
RICHLAND STATE BANK — 2003
What RICHLAND STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 26,505,000 | 32,799,000 | 28,411,000 | 26,966,000 |
| Total loans | 12,710,000 | 18,341,000 | 11,766,000 | 7,416,000 |
| Allowance for loan losses | 141,000 | 122,000 | 171,000 | 173,000 |
| Securities available for sale | 9,835,000 | 9,826,000 | 8,954,000 | 9,279,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,583,000 | 27,722,000 | 23,087,000 | 21,624,000 |
| Interest-bearing deposits | 19,697,000 | 25,518,000 | 19,004,000 | 14,845,000 |
| Noninterest-bearing deposits | 1,887,000 | 2,204,000 | 4,083,000 | 6,779,000 |
| Equity capital | 4,756,000 | 4,944,000 | 5,210,000 | 5,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 361,000 | 713,000 | 1,014,000 | 1,286,000 |
| Interest expense | 131,000 | 259,000 | 356,000 | 444,000 |
| Net interest income | 230,000 | 454,000 | 658,000 | 842,000 |
| Noninterest income | 485,000 | 858,000 | 1,390,000 | 1,583,000 |
| Noninterest expense | 354,000 | 786,000 | 1,114,000 | 1,413,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 356,000 | 521,000 | 929,000 | 1,005,000 |
| Income tax | 6,000 | 9,000 | 14,000 | 30,000 |
| Net income | 350,000 | 512,000 | 915,000 | 975,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,561,000 | 4,723,000 | 5,126,000 | 5,161,000 |
| Total capital | 4,702,000 | 4,845,000 | 5,297,000 | 5,295,000 |
| Risk-weighted assets | 14,788,000 | 20,656,000 | 14,662,000 | 10,715,000 |