Call reports 2025
RICHLAND STATE BANK — 2025
What RICHLAND STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 40,256,000 | 40,652,000 | 40,621,000 | 44,074,000 |
| Total loans | 17,861,000 | 18,812,000 | 19,328,000 | 22,929,000 |
| Allowance for loan losses | 481,000 | 481,000 | 481,000 | 481,000 |
| Securities available for sale | 18,483,000 | 18,605,000 | 18,954,000 | 18,341,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,800,000 | 36,028,000 | 35,997,000 | 39,229,000 |
| Interest-bearing deposits | 29,289,000 | 29,392,000 | 30,009,000 | 30,949,000 |
| Noninterest-bearing deposits | 6,511,000 | 6,636,000 | 5,988,000 | 8,280,000 |
| Equity capital | 4,309,000 | 4,464,000 | 4,434,000 | 4,734,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 457,000 | 918,000 | 1,378,000 | 1,845,000 |
| Interest expense | 181,000 | 360,000 | 541,000 | 726,000 |
| Net interest income | 276,000 | 558,000 | 837,000 | 1,119,000 |
| Noninterest income | 458,000 | 942,000 | 1,295,000 | 1,714,000 |
| Noninterest expense | 529,000 | 1,050,000 | 1,587,000 | 2,144,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 205,000 | 450,000 | 545,000 | 689,000 |
| Income tax | 1,000 | 6,000 | 9,000 | 9,000 |
| Net income | 204,000 | 444,000 | 536,000 | 680,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,909,000 | 6,149,000 | 5,740,000 | 5,884,000 |
| Total capital | 6,210,000 | 6,450,000 | 6,059,000 | 6,109,000 |
| Risk-weighted assets | 23,928,000 | 23,936,000 | 25,392,000 | 28,101,000 |