Call reports 2019
RICHLAND STATE BANK — 2019
What RICHLAND STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 34,860,000 | 34,654,000 | 36,045,000 | 36,477,000 |
| Total loans | 12,681,000 | 13,453,000 | 12,460,000 | 13,609,000 |
| Allowance for loan losses | 77,000 | 88,000 | 122,000 | 163,000 |
| Securities available for sale | 15,680,000 | 15,224,000 | 13,572,000 | 13,634,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,192,000 | 29,828,000 | 31,125,000 | 31,863,000 |
| Interest-bearing deposits | 25,598,000 | 25,033,000 | 25,892,000 | 26,498,000 |
| Noninterest-bearing deposits | 4,594,000 | 4,795,000 | 5,233,000 | 5,365,000 |
| Equity capital | 4,557,000 | 4,717,000 | 4,776,000 | 4,506,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 413,000 | 789,000 | 1,171,000 | 1,516,000 |
| Interest expense | 34,000 | 82,000 | 147,000 | 223,000 |
| Net interest income | 379,000 | 707,000 | 1,024,000 | 1,293,000 |
| Noninterest income | 298,000 | 540,000 | 884,000 | 1,128,000 |
| Noninterest expense | 379,000 | 753,000 | 1,168,000 | 1,598,000 |
| Provision for loan losses | 0 | 10,000 | 60,000 | 100,000 |
| Pretax income | 304,000 | 491,000 | 690,000 | 733,000 |
| Income tax | 8,000 | 14,000 | 19,000 | 20,000 |
| Net income | 296,000 | 477,000 | 671,000 | 713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,903,000 | 3,923,000 | 3,951,000 | 3,777,000 |
| Total capital | 3,980,000 | 4,011,000 | 4,073,000 | 3,940,000 |
| Risk-weighted assets | 17,598,000 | 18,646,000 | 19,169,000 | 20,969,000 |