Call reports 2015
RICHLAND STATE BANK — 2015
What RICHLAND STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 44,969,000 | 44,702,000 | 45,009,000 | 45,441,000 |
| Total loans | 13,885,000 | 14,670,000 | 14,549,000 | 14,220,000 |
| Allowance for loan losses | 110,000 | 111,000 | 111,000 | 132,000 |
| Securities available for sale | 21,353,000 | 20,802,000 | 20,491,000 | 20,678,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,909,000 | 33,774,000 | 33,792,000 | 34,073,000 |
| Interest-bearing deposits | 30,798,000 | 30,813,000 | 30,388,000 | 30,999,000 |
| Noninterest-bearing deposits | 3,111,000 | 2,961,000 | 3,404,000 | 3,074,000 |
| Equity capital | 10,966,000 | 10,859,000 | 11,133,000 | 11,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 321,000 | 652,000 | 987,000 | 1,328,000 |
| Interest expense | 83,000 | 164,000 | 245,000 | 325,000 |
| Net interest income | 238,000 | 488,000 | 742,000 | 1,003,000 |
| Noninterest income | 191,000 | 355,000 | 511,000 | 926,000 |
| Noninterest expense | 262,000 | 505,000 | 788,000 | 1,134,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 167,000 | 338,000 | 465,000 | 775,000 |
| Income tax | 4,000 | 10,000 | 15,000 | 28,000 |
| Net income | 163,000 | 328,000 | 450,000 | 747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,438,000 | 10,603,000 | 10,725,000 | 11,022,000 |
| Total capital | 10,548,000 | 10,714,000 | 10,836,000 | 11,154,000 |
| Risk-weighted assets | 18,838,000 | 19,725,000 | 19,807,000 | 19,889,000 |