Call reports 2023
RICHLAND STATE BANK — 2023
What RICHLAND STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 56,195,000 | 50,052,000 | 49,985,000 | 47,554,000 |
| Total loans | 25,227,000 | 19,480,000 | 22,277,000 | 20,526,000 |
| Allowance for loan losses | 480,000 | 480,000 | 481,000 | 481,000 |
| Securities available for sale | 26,932,000 | 25,854,000 | 24,033,000 | 23,162,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,852,000 | 45,767,000 | 45,951,000 | 42,702,000 |
| Interest-bearing deposits | 42,006,000 | 38,838,000 | 35,674,000 | 34,362,000 |
| Noninterest-bearing deposits | 9,846,000 | 6,929,000 | 10,277,000 | 8,340,000 |
| Equity capital | 4,251,000 | 4,163,000 | 3,832,000 | 4,710,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 909,000 | 1,609,000 | 2,226,000 | 2,816,000 |
| Interest expense | 87,000 | 185,000 | 296,000 | 422,000 |
| Net interest income | 822,000 | 1,424,000 | 1,930,000 | 2,394,000 |
| Noninterest income | 569,000 | 1,108,000 | 1,737,000 | 2,131,000 |
| Noninterest expense | 563,000 | 1,040,000 | 1,588,000 | 2,194,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 828,000 | 1,488,000 | 2,066,000 | 2,251,000 |
| Income tax | 23,000 | 40,000 | 58,000 | 80,000 |
| Net income | 805,000 | 1,448,000 | 2,008,000 | 2,171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,313,000 | 6,456,000 | 6,616,000 | 6,529,000 |
| Total capital | 6,733,000 | 6,802,000 | 6,991,000 | 6,863,000 |
| Risk-weighted assets | 33,568,000 | 27,500,000 | 29,903,000 | 26,578,000 |