Call reports 2012
RICHLAND STATE BANK — 2012
What RICHLAND STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 34,924,000 | 35,964,000 | 36,552,000 | 41,728,000 |
| Total loans | 11,564,000 | 12,464,000 | 11,859,000 | 12,817,000 |
| Allowance for loan losses | 108,000 | 109,000 | 110,000 | 106,000 |
| Securities available for sale | 17,732,000 | 17,607,000 | 18,476,000 | 18,862,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,824,000 | 26,515,000 | 26,812,000 | 31,870,000 |
| Interest-bearing deposits | 23,702,000 | 24,076,000 | 24,476,000 | 27,366,000 |
| Noninterest-bearing deposits | 2,122,000 | 2,439,000 | 2,336,000 | 4,504,000 |
| Equity capital | 8,999,000 | 9,357,000 | 9,633,000 | 9,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 327,000 | 643,000 | 954,000 | 1,265,000 |
| Interest expense | 88,000 | 169,000 | 250,000 | 329,000 |
| Net interest income | 239,000 | 474,000 | 704,000 | 936,000 |
| Noninterest income | 179,000 | 400,000 | 634,000 | 843,000 |
| Noninterest expense | 247,000 | 491,000 | 770,000 | 1,053,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 171,000 | 439,000 | 624,000 | 782,000 |
| Income tax | 2,000 | 7,000 | 13,000 | 25,000 |
| Net income | 169,000 | 432,000 | 611,000 | 757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,366,000 | 8,628,000 | 8,808,000 | 8,954,000 |
| Total capital | 8,474,000 | 8,737,000 | 8,918,000 | 9,060,000 |
| Risk-weighted assets | 13,869,000 | 15,239,000 | 15,188,000 | 16,968,000 |