Call reports 2006
RICHLAND STATE BANK — 2006
What RICHLAND STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 25,172,000 | 26,707,000 | 29,397,000 | 32,008,000 |
| Total loans | 9,301,000 | 12,255,000 | 16,920,000 | 13,978,000 |
| Allowance for loan losses | 147,000 | 148,000 | 149,000 | 151,000 |
| Securities available for sale | 9,977,000 | 8,873,000 | 8,982,000 | 7,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,012,000 | 22,567,000 | 24,539,000 | 27,045,000 |
| Interest-bearing deposits | 19,227,000 | 19,448,000 | 18,894,000 | 19,418,000 |
| Noninterest-bearing deposits | 1,785,000 | 3,119,000 | 5,645,000 | 7,627,000 |
| Equity capital | 4,014,000 | 4,021,000 | 4,716,000 | 4,826,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 355,000 | 730,000 | 1,172,000 | 1,648,000 |
| Interest expense | 153,000 | 320,000 | 494,000 | 682,000 |
| Net interest income | 202,000 | 410,000 | 678,000 | 966,000 |
| Noninterest income | 585,000 | 870,000 | 1,446,000 | 1,657,000 |
| Noninterest expense | 305,000 | 674,000 | 958,000 | 1,344,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 482,000 | 555,000 | 1,115,000 | 1,165,000 |
| Income tax | 18,000 | 11,000 | 11,000 | 3,000 |
| Net income | 464,000 | 544,000 | 1,104,000 | 1,162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,173,000 | 4,253,000 | 4,814,000 | 4,871,000 |
| Total capital | 4,320,000 | 4,401,000 | 4,963,000 | 5,022,000 |
| Risk-weighted assets | 12,410,000 | 15,008,000 | 19,329,000 | 17,074,000 |