Call reports 2005
RICHLAND STATE BANK — 2005
What RICHLAND STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 23,493,000 | 23,099,000 | 24,003,000 | 26,469,000 |
| Total loans | 8,015,000 | 8,336,000 | 10,148,000 | 9,534,000 |
| Allowance for loan losses | 172,000 | 173,000 | 140,000 | 146,000 |
| Securities available for sale | 9,267,000 | 9,703,000 | 9,416,000 | 9,562,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,501,000 | 18,909,000 | 19,404,000 | 22,760,000 |
| Interest-bearing deposits | 16,895,000 | 16,933,000 | 17,101,000 | 19,240,000 |
| Noninterest-bearing deposits | 2,605,000 | 1,976,000 | 2,303,000 | 3,520,000 |
| Equity capital | 3,893,000 | 4,087,000 | 4,465,000 | 3,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 272,000 | 551,000 | 849,000 | 1,179,000 |
| Interest expense | 94,000 | 199,000 | 310,000 | 450,000 |
| Net interest income | 178,000 | 352,000 | 539,000 | 729,000 |
| Noninterest income | 480,000 | 701,000 | 1,317,000 | 1,530,000 |
| Noninterest expense | 271,000 | 585,000 | 922,000 | 1,302,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 387,000 | 468,000 | 934,000 | 835,000 |
| Income tax | 16,000 | 17,000 | 45,000 | 45,000 |
| Net income | 371,000 | 451,000 | 889,000 | 1,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,064,000 | 4,143,000 | 4,582,000 | 3,709,000 |
| Total capital | 4,198,000 | 4,279,000 | 4,722,000 | 3,855,000 |
| Risk-weighted assets | 10,643,000 | 10,885,000 | 12,895,000 | 12,716,000 |