Call reports 2018
RICHLAND STATE BANK — 2018
What RICHLAND STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 42,387,000 | 40,148,000 | 38,093,000 | 37,132,000 |
| Total loans | 14,021,000 | 13,876,000 | 14,808,000 | 14,522,000 |
| Allowance for loan losses | 170,000 | 229,000 | 10,000 | 77,000 |
| Securities available for sale | 18,994,000 | 17,545,000 | 16,993,000 | 16,657,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,929,000 | 30,695,000 | 33,202,000 | 32,152,000 |
| Interest-bearing deposits | 29,258,000 | 27,321,000 | 26,778,000 | 26,997,000 |
| Noninterest-bearing deposits | 3,671,000 | 3,374,000 | 6,424,000 | 5,155,000 |
| Equity capital | 9,373,000 | 9,375,000 | 4,761,000 | 4,873,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 351,000 | 683,000 | 129,000 | 542,000 |
| Interest expense | 66,000 | 131,000 | 2,000 | 23,000 |
| Net interest income | 285,000 | 552,000 | 127,000 | 519,000 |
| Noninterest income | 276,000 | 455,000 | 106,000 | 320,000 |
| Noninterest expense | 312,000 | 626,000 | 112,000 | 537,000 |
| Provision for loan losses | 0 | 70,000 | 10,000 | 75,000 |
| Pretax income | 249,000 | 312,000 | 111,000 | 227,000 |
| Income tax | 8,000 | 14,000 | 4,000 | 8,000 |
| Net income | 241,000 | 298,000 | 107,000 | 219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,516,000 | 9,573,000 | 4,242,000 | 4,244,000 |
| Total capital | 9,686,000 | 9,802,000 | 4,252,000 | 4,321,000 |
| Risk-weighted assets | 19,536,000 | 18,959,000 | 21,415,000 | 21,069,000 |