Call reports 2016
RICHLAND STATE BANK — 2016
What RICHLAND STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 44,801,000 | 45,185,000 | 46,061,000 | 44,446,000 |
| Total loans | 15,311,000 | 16,554,000 | 16,613,000 | 17,145,000 |
| Allowance for loan losses | 133,000 | 124,000 | 149,000 | 170,000 |
| Securities available for sale | 20,973,000 | 20,618,000 | 19,721,000 | 18,747,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,069,000 | 33,081,000 | 33,620,000 | 33,687,000 |
| Interest-bearing deposits | 29,733,000 | 30,130,000 | 28,716,000 | 30,172,000 |
| Noninterest-bearing deposits | 3,336,000 | 2,951,000 | 4,904,000 | 3,515,000 |
| Equity capital | 11,633,000 | 12,002,000 | 12,310,000 | 10,647,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 345,000 | 704,000 | 1,065,000 | 1,426,000 |
| Interest expense | 73,000 | 143,000 | 212,000 | 280,000 |
| Net interest income | 272,000 | 561,000 | 853,000 | 1,146,000 |
| Noninterest income | 168,000 | 308,000 | 752,000 | 875,000 |
| Noninterest expense | 275,000 | 544,000 | 835,000 | 1,201,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 40,000 |
| Pretax income | 168,000 | 331,000 | 756,000 | 786,000 |
| Income tax | 6,000 | 12,000 | 20,000 | 31,000 |
| Net income | 162,000 | 319,000 | 736,000 | 755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,184,000 | 11,342,000 | 11,758,000 | 10,527,000 |
| Total capital | 11,317,000 | 11,466,000 | 11,908,000 | 10,697,000 |
| Risk-weighted assets | 20,427,000 | 21,360,000 | 21,736,000 | 22,360,000 |