Call reports 2021
RICHLAND STATE BANK — 2021
What RICHLAND STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 48,416,000 | 50,515,000 | 55,093,000 | 53,059,000 |
| Total loans | 20,932,000 | 18,972,000 | 23,594,000 | 19,866,000 |
| Allowance for loan losses | 294,000 | 444,000 | 469,000 | 471,000 |
| Securities available for sale | 17,787,000 | 23,860,000 | 26,314,000 | 25,626,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,442,000 | 45,104,000 | 49,289,000 | 47,573,000 |
| Interest-bearing deposits | 34,697,000 | 37,240,000 | 39,350,000 | 40,693,000 |
| Noninterest-bearing deposits | 8,745,000 | 7,864,000 | 9,939,000 | 6,880,000 |
| Equity capital | 4,893,000 | 5,318,000 | 5,688,000 | 5,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 449,000 | 987,000 | 1,421,000 | 1,845,000 |
| Interest expense | 56,000 | 110,000 | 161,000 | 214,000 |
| Net interest income | 393,000 | 877,000 | 1,260,000 | 1,631,000 |
| Noninterest income | 491,000 | 917,000 | 1,374,000 | 1,680,000 |
| Noninterest expense | 415,000 | 846,000 | 1,270,000 | 1,808,000 |
| Provision for loan losses | 64,000 | 214,000 | 239,000 | 241,000 |
| Pretax income | 405,000 | 734,000 | 1,125,000 | 1,262,000 |
| Income tax | 7,000 | 15,000 | 23,000 | 43,000 |
| Net income | 398,000 | 719,000 | 1,102,000 | 1,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,394,000 | 4,738,000 | 5,142,000 | 5,028,000 |
| Total capital | 4,688,000 | 5,060,000 | 5,531,000 | 5,367,000 |
| Risk-weighted assets | 25,505,000 | 25,630,000 | 31,027,000 | 26,837,000 |