Call reports 2022
RICHLAND STATE BANK — 2022
What RICHLAND STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 55,756,000 | 55,503,000 | 56,264,000 | 56,708,000 |
| Total loans | 21,483,000 | 21,905,000 | 21,543,000 | 25,757,000 |
| Allowance for loan losses | 471,000 | 471,000 | 473,000 | 473,000 |
| Securities available for sale | 25,870,000 | 28,070,000 | 26,954,000 | 26,803,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,155,000 | 51,627,000 | 52,814,000 | 53,102,000 |
| Interest-bearing deposits | 42,572,000 | 40,893,000 | 41,357,000 | 42,187,000 |
| Noninterest-bearing deposits | 8,583,000 | 10,734,000 | 11,457,000 | 10,915,000 |
| Equity capital | 4,536,000 | 3,800,000 | 3,340,000 | 3,529,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 434,000 | 876,000 | 1,455,000 | 2,104,000 |
| Interest expense | 49,000 | 97,000 | 157,000 | 234,000 |
| Net interest income | 385,000 | 779,000 | 1,298,000 | 1,870,000 |
| Noninterest income | 471,000 | 929,000 | 1,694,000 | 2,111,000 |
| Noninterest expense | 454,000 | 935,000 | 1,439,000 | 2,001,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 402,000 | 773,000 | 1,553,000 | 1,980,000 |
| Income tax | 11,000 | 20,000 | 35,000 | 61,000 |
| Net income | 391,000 | 753,000 | 1,518,000 | 1,919,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,436,000 | 5,615,000 | 5,967,000 | 5,980,000 |
| Total capital | 5,799,000 | 5,986,000 | 6,347,000 | 6,413,000 |
| Risk-weighted assets | 28,908,000 | 29,599,000 | 30,326,000 | 34,614,000 |