Call reports 2017
RICHLAND STATE BANK — 2017
What RICHLAND STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 44,577,000 | 43,912,000 | 44,317,000 | 43,498,000 |
| Total loans | 17,036,000 | 16,553,000 | 16,058,000 | 14,674,000 |
| Allowance for loan losses | 170,000 | 169,000 | 170,000 | 171,000 |
| Securities available for sale | 18,725,000 | 17,839,000 | 17,765,000 | 19,206,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,639,000 | 32,578,000 | 32,805,000 | 34,053,000 |
| Interest-bearing deposits | 29,699,000 | 28,753,000 | 28,880,000 | 30,290,000 |
| Noninterest-bearing deposits | 3,940,000 | 3,825,000 | 3,925,000 | 3,763,000 |
| Equity capital | 10,843,000 | 11,235,000 | 11,397,000 | 9,345,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 362,000 | 733,000 | 1,099,000 | 1,449,000 |
| Interest expense | 67,000 | 131,000 | 196,000 | 262,000 |
| Net interest income | 295,000 | 602,000 | 903,000 | 1,187,000 |
| Noninterest income | 163,000 | 436,000 | 668,000 | 890,000 |
| Noninterest expense | 285,000 | 618,000 | 901,000 | 1,307,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 173,000 | 420,000 | 673,000 | 773,000 |
| Income tax | 5,000 | 13,000 | 20,000 | 25,000 |
| Net income | 168,000 | 407,000 | 653,000 | 748,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,747,000 | 10,934,000 | 11,181,000 | 9,275,000 |
| Total capital | 10,917,000 | 11,103,000 | 11,351,000 | 9,446,000 |
| Risk-weighted assets | 22,309,000 | 21,906,000 | 22,061,000 | 21,026,000 |