Call reports 2024
RICHLAND STATE BANK — 2024
What RICHLAND STATE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 44,272,000 | 42,106,000 | 41,006,000 | 40,310,000 |
| Total loans | 18,685,000 | 16,990,000 | 17,408,000 | 20,105,000 |
| Allowance for loan losses | 481,000 | 481,000 | 481,000 | 481,000 |
| Securities available for sale | 22,678,000 | 22,023,000 | 20,221,000 | 18,574,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,065,000 | 37,788,000 | 36,407,000 | 36,256,000 |
| Interest-bearing deposits | 32,206,000 | 31,461,000 | 30,050,000 | 29,902,000 |
| Noninterest-bearing deposits | 7,859,000 | 6,327,000 | 6,357,000 | 6,354,000 |
| Equity capital | 4,091,000 | 4,179,000 | 4,428,000 | 3,935,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 564,000 | 1,071,000 | 1,576,000 | 2,075,000 |
| Interest expense | 142,000 | 299,000 | 473,000 | 655,000 |
| Net interest income | 422,000 | 772,000 | 1,103,000 | 1,420,000 |
| Noninterest income | 539,000 | 1,029,000 | 1,526,000 | 1,871,000 |
| Noninterest expense | 529,000 | 1,021,000 | 1,555,000 | 2,158,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 432,000 | 780,000 | 1,078,000 | 1,100,000 |
| Income tax | 8,000 | 15,000 | 20,000 | 25,000 |
| Net income | 424,000 | 765,000 | 1,058,000 | 1,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,054,000 | 6,095,000 | 5,887,000 | 5,704,000 |
| Total capital | 6,368,000 | 6,381,000 | 6,169,000 | 6,013,000 |
| Risk-weighted assets | 25,002,000 | 22,777,000 | 22,346,000 | 24,540,000 |