Call reports 2013
RICHLAND STATE BANK — 2013
What RICHLAND STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 40,003,000 | 39,850,000 | 40,480,000 | 42,274,000 |
| Total loans | 11,696,000 | 12,441,000 | 13,475,000 | 13,677,000 |
| Allowance for loan losses | 106,000 | 107,000 | 108,000 | 110,000 |
| Securities available for sale | 18,514,000 | 18,696,000 | 19,453,000 | 19,183,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,029,000 | 30,101,000 | 30,750,000 | 32,511,000 |
| Interest-bearing deposits | 27,520,000 | 27,893,000 | 28,282,000 | 28,787,000 |
| Noninterest-bearing deposits | 2,509,000 | 2,208,000 | 2,468,000 | 3,724,000 |
| Equity capital | 9,875,000 | 9,673,000 | 9,650,000 | 9,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 316,000 | 627,000 | 942,000 | 1,271,000 |
| Interest expense | 79,000 | 158,000 | 238,000 | 318,000 |
| Net interest income | 237,000 | 469,000 | 704,000 | 953,000 |
| Noninterest income | 251,000 | 474,000 | 702,000 | 878,000 |
| Noninterest expense | 262,000 | 509,000 | 822,000 | 1,122,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 226,000 | 434,000 | 584,000 | 709,000 |
| Income tax | 6,000 | 11,000 | 17,000 | 15,000 |
| Net income | 220,000 | 423,000 | 567,000 | 694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,174,000 | 9,377,000 | 9,521,000 | 9,648,000 |
| Total capital | 9,280,000 | 9,484,000 | 9,629,000 | 9,758,000 |
| Risk-weighted assets | 15,815,000 | 16,544,000 | 17,635,000 | 17,392,000 |