Call reports 2008
RICHLAND STATE BANK — 2008
What RICHLAND STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 32,965,000 | 30,840,000 | 33,118,000 | 36,479,000 |
| Total loans | 17,364,000 | 12,464,000 | 12,178,000 | 13,517,000 |
| Allowance for loan losses | 74,000 | 80,000 | 70,000 | 111,000 |
| Securities available for sale | 5,933,000 | 7,672,000 | 12,986,000 | 16,737,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,944,000 | 23,824,000 | 26,055,000 | 28,956,000 |
| Interest-bearing deposits | 20,051,000 | 20,455,000 | 20,177,000 | 21,076,000 |
| Noninterest-bearing deposits | 5,893,000 | 3,369,000 | 5,878,000 | 7,880,000 |
| Equity capital | 6,853,000 | 6,895,000 | 6,933,000 | 7,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 549,000 | 932,000 | 1,320,000 | 1,717,000 |
| Interest expense | 205,000 | 401,000 | 593,000 | 768,000 |
| Net interest income | 344,000 | 531,000 | 727,000 | 949,000 |
| Noninterest income | 757,000 | 866,000 | 1,129,000 | 1,294,000 |
| Noninterest expense | 324,000 | 622,000 | 1,021,000 | 1,392,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 777,000 | 775,000 | 835,000 | 801,000 |
| Income tax | 40,000 | 27,000 | 37,000 | 37,000 |
| Net income | 737,000 | 890,000 | 940,000 | 906,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,731,000 | 6,885,000 | 6,936,000 | 6,901,000 |
| Total capital | 6,805,000 | 6,965,000 | 7,006,000 | 7,012,000 |
| Risk-weighted assets | 19,889,000 | 15,819,000 | 16,089,000 | 17,285,000 |