Call reports 2011
RICHLAND STATE BANK — 2011
What RICHLAND STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 31,315,000 | 31,767,000 | 32,978,000 | 36,548,000 |
| Total loans | 11,035,000 | 11,942,000 | 11,208,000 | 12,005,000 |
| Allowance for loan losses | 109,000 | 106,000 | 107,000 | 106,000 |
| Securities available for sale | 16,455,000 | 16,851,000 | 17,075,000 | 16,875,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,174,000 | 23,151,000 | 24,015,000 | 27,540,000 |
| Interest-bearing deposits | 20,684,000 | 20,802,000 | 21,902,000 | 22,468,000 |
| Noninterest-bearing deposits | 2,491,000 | 2,349,000 | 2,113,000 | 5,072,000 |
| Equity capital | 8,055,000 | 8,526,000 | 8,859,000 | 8,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 328,000 | 660,000 | 988,000 | 1,301,000 |
| Interest expense | 92,000 | 182,000 | 275,000 | 367,000 |
| Net interest income | 236,000 | 478,000 | 713,000 | 934,000 |
| Noninterest income | 240,000 | 515,000 | 660,000 | 762,000 |
| Noninterest expense | 237,000 | 507,000 | 755,000 | 1,019,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 239,000 | 486,000 | 618,000 | 677,000 |
| Income tax | 2,000 | 8,000 | 12,000 | 23,000 |
| Net income | 237,000 | 478,000 | 606,000 | 654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,779,000 | 8,021,000 | 8,149,000 | 8,196,000 |
| Total capital | 7,888,000 | 8,127,000 | 8,256,000 | 8,302,000 |
| Risk-weighted assets | 12,641,000 | 13,939,000 | 13,542,000 | 14,838,000 |