Call reports 2009
RICHLAND STATE BANK — 2009
What RICHLAND STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 30,169,000 | 30,730,000 | 31,631,000 | 31,936,000 |
| Total loans | 10,306,000 | 10,647,000 | 10,444,000 | 10,272,000 |
| Allowance for loan losses | 111,000 | 107,000 | 107,000 | 106,000 |
| Securities available for sale | 16,423,000 | 15,485,000 | 15,887,000 | 18,183,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,456,000 | 22,990,000 | 23,752,000 | 24,169,000 |
| Interest-bearing deposits | 20,325,000 | 21,043,000 | 21,575,000 | 22,068,000 |
| Noninterest-bearing deposits | 2,131,000 | 1,947,000 | 2,177,000 | 2,101,000 |
| Equity capital | 7,583,000 | 7,615,000 | 7,753,000 | 7,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 417,000 | 802,000 | 1,158,000 | 1,504,000 |
| Interest expense | 147,000 | 289,000 | 430,000 | 561,000 |
| Net interest income | 270,000 | 513,000 | 728,000 | 943,000 |
| Noninterest income | 213,000 | 400,000 | 473,000 | 558,000 |
| Noninterest expense | 310,000 | 575,000 | 846,000 | 1,105,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 173,000 | 338,000 | 372,000 | 439,000 |
| Income tax | 38,000 | 48,000 | 52,000 | 47,000 |
| Net income | 135,000 | 290,000 | 320,000 | 392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,036,000 | 7,191,000 | 7,220,000 | 7,292,000 |
| Total capital | 7,147,000 | 7,298,000 | 7,327,000 | 7,398,000 |
| Risk-weighted assets | 12,879,000 | 13,179,000 | 13,455,000 | 13,235,000 |
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