Call reports 2007
RICHLAND STATE BANK — 2007
What RICHLAND STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 31,952,000 | 29,340,000 | 31,003,000 | 39,895,000 |
| Total loans | 12,390,000 | 15,469,000 | 14,983,000 | 18,222,000 |
| Allowance for loan losses | 151,000 | 152,000 | 80,000 | 73,000 |
| Securities available for sale | 8,345,000 | 8,690,000 | 8,413,000 | 8,444,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,640,000 | 24,071,000 | 25,208,000 | 33,705,000 |
| Interest-bearing deposits | 19,811,000 | 19,223,000 | 19,481,000 | 20,011,000 |
| Noninterest-bearing deposits | 6,829,000 | 4,848,000 | 5,727,000 | 13,694,000 |
| Equity capital | 5,145,000 | 5,118,000 | 5,622,000 | 6,022,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 486,000 | 952,000 | 1,436,000 | 1,939,000 |
| Interest expense | 194,000 | 398,000 | 605,000 | 818,000 |
| Net interest income | 292,000 | 554,000 | 831,000 | 1,121,000 |
| Noninterest income | 321,000 | 474,000 | 806,000 | 1,285,000 |
| Noninterest expense | 285,000 | 644,000 | 955,000 | 1,361,000 |
| Provision for loan losses | 0 | 0 | -100,000 | -100,000 |
| Pretax income | 328,000 | 384,000 | 781,000 | 1,144,000 |
| Income tax | 14,000 | 14,000 | 14,000 | 18,000 |
| Net income | 314,000 | 370,000 | 767,000 | 1,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,182,000 | 5,238,000 | 5,636,000 | 5,995,000 |
| Total capital | 5,333,000 | 5,390,000 | 5,716,000 | 6,068,000 |
| Risk-weighted assets | 16,110,000 | 17,811,000 | 18,000,000 | 22,164,000 |