Call reports 2004
RICHLAND STATE BANK — 2004
What RICHLAND STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 21,944,000 | 21,708,000 | 23,256,000 | 24,462,000 |
| Total loans | 7,444,000 | 7,303,000 | 7,834,000 | 7,741,000 |
| Allowance for loan losses | 174,000 | 166,000 | 166,000 | 172,000 |
| Securities available for sale | 8,794,000 | 9,031,000 | 9,071,000 | 8,844,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,831,000 | 17,762,000 | 18,732,000 | 20,695,000 |
| Interest-bearing deposits | 15,766,000 | 15,754,000 | 16,386,000 | 16,068,000 |
| Noninterest-bearing deposits | 2,065,000 | 2,008,000 | 2,346,000 | 4,627,000 |
| Equity capital | 4,024,000 | 3,861,000 | 4,421,000 | 3,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 239,000 | 472,000 | 724,000 | 983,000 |
| Interest expense | 85,000 | 170,000 | 256,000 | 343,000 |
| Net interest income | 154,000 | 302,000 | 468,000 | 640,000 |
| Noninterest income | 418,000 | 636,000 | 1,161,000 | 1,320,000 |
| Noninterest expense | 360,000 | 647,000 | 931,000 | 1,214,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 267,000 | 346,000 | 753,000 | 801,000 |
| Income tax | -14,000 | -11,000 | 4,000 | 19,000 |
| Net income | 281,000 | 357,000 | 749,000 | 782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,937,000 | 4,016,000 | 4,409,000 | 3,693,000 |
| Total capital | 4,067,000 | 4,144,000 | 4,546,000 | 3,831,000 |
| Risk-weighted assets | 10,349,000 | 10,223,000 | 10,967,000 | 10,970,000 |