Call reports 2010
RICHLAND STATE BANK — 2010
What RICHLAND STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 32,059,000 | 31,065,000 | 31,513,000 | 32,158,000 |
| Total loans | 10,259,000 | 10,579,000 | 10,814,000 | 11,394,000 |
| Allowance for loan losses | 107,000 | 107,000 | 108,000 | 108,000 |
| Securities available for sale | 18,035,000 | 15,778,000 | 16,610,000 | 15,649,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,216,000 | 23,083,000 | 23,326,000 | 24,220,000 |
| Interest-bearing deposits | 22,369,000 | 21,743,000 | 21,688,000 | 20,090,000 |
| Noninterest-bearing deposits | 1,847,000 | 1,340,000 | 1,638,000 | 4,130,000 |
| Equity capital | 7,739,000 | 7,886,000 | 8,081,000 | 7,864,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 349,000 | 685,000 | 1,016,000 | 1,344,000 |
| Interest expense | 118,000 | 233,000 | 343,000 | 443,000 |
| Net interest income | 231,000 | 452,000 | 673,000 | 901,000 |
| Noninterest income | 29,000 | 96,000 | 196,000 | 317,000 |
| Noninterest expense | 244,000 | 496,000 | 741,000 | 977,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 16,000 | 102,000 | 178,000 | 291,000 |
| Income tax | 1,000 | 5,000 | 12,000 | 14,000 |
| Net income | 15,000 | 97,000 | 166,000 | 277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,306,000 | 7,388,000 | 7,458,000 | 7,570,000 |
| Total capital | 7,413,000 | 7,495,000 | 7,566,000 | 7,678,000 |
| Risk-weighted assets | 12,928,000 | 12,921,000 | 13,183,000 | 14,178,000 |
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