Call reports 2020
RICHLAND STATE BANK — 2020
What RICHLAND STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 34,463,000 | 36,541,000 | 39,803,000 | 41,764,000 |
| Total loans | 11,388,000 | 16,010,000 | 16,463,000 | 17,745,000 |
| Allowance for loan losses | 163,000 | 163,000 | 243,000 | 230,000 |
| Securities available for sale | 14,606,000 | 14,807,000 | 11,691,000 | 13,946,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,801,000 | 31,543,000 | 34,741,000 | 36,642,000 |
| Interest-bearing deposits | 25,062,000 | 25,842,000 | 28,668,000 | 30,746,000 |
| Noninterest-bearing deposits | 4,739,000 | 5,701,000 | 6,073,000 | 5,896,000 |
| Equity capital | 4,546,000 | 4,857,000 | 4,897,000 | 5,022,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 357,000 | 692,000 | 1,109,000 | 1,437,000 |
| Interest expense | 72,000 | 138,000 | 205,000 | 264,000 |
| Net interest income | 285,000 | 554,000 | 904,000 | 1,173,000 |
| Noninterest income | 407,000 | 745,000 | 1,212,000 | 1,539,000 |
| Noninterest expense | 405,000 | 836,000 | 1,286,000 | 1,794,000 |
| Provision for loan losses | 0 | 0 | 80,000 | 67,000 |
| Pretax income | 287,000 | 463,000 | 847,000 | 948,000 |
| Income tax | 7,000 | 11,000 | 18,000 | 20,000 |
| Net income | 280,000 | 452,000 | 829,000 | 928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,089,000 | 3,992,000 | 4,146,000 | 4,271,000 |
| Total capital | 4,252,000 | 4,155,000 | 4,389,000 | 4,501,000 |
| Risk-weighted assets | 18,038,000 | 22,078,000 | 25,495,000 | 27,317,000 |