Call reports 2001
RICHLAND TRUST COMPANY, THE — 2001
What RICHLAND TRUST COMPANY, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 442,935,000 | 486,013,000 | 485,684,000 | 488,492,000 |
| Total loans | 265,189,000 | 268,816,000 | 274,311,000 | 266,913,000 |
| Allowance for loan losses | 6,001,000 | 5,920,000 | 6,120,000 | 5,702,000 |
| Securities available for sale | 132,263,000 | 151,699,000 | 168,003,000 | 171,813,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,011,000 | 346,372,000 | 352,583,000 | 374,905,000 |
| Interest-bearing deposits | 316,531,000 | 304,696,000 | 312,366,000 | 332,929,000 |
| Noninterest-bearing deposits | 32,480,000 | 41,676,000 | 40,217,000 | 41,976,000 |
| Equity capital | 34,393,000 | 36,499,000 | 39,840,000 | 31,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 8,278,000 | 16,634,000 | 24,943,000 | 33,100,000 |
| Interest expense | 3,838,000 | 7,316,000 | 10,432,000 | 12,843,000 |
| Net interest income | 4,440,000 | 9,318,000 | 14,511,000 | 20,257,000 |
| Noninterest income | 704,000 | 1,513,000 | 2,305,000 | 3,182,000 |
| Noninterest expense | 2,700,000 | 5,364,000 | 8,043,000 | 11,225,000 |
| Provision for loan losses | 270,000 | 600,000 | 960,000 | 1,255,000 |
| Pretax income | 2,174,000 | 4,867,000 | 7,813,000 | 10,959,000 |
| Income tax | 730,000 | 1,644,000 | 2,642,000 | 3,707,000 |
| Net income | 1,444,000 | 3,223,000 | 5,171,000 | 7,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,647,000 | 30,788,000 | 33,098,000 | 27,542,000 |
| Total capital | 31,775,000 | 34,171,000 | 36,536,000 | 30,949,000 |
| Risk-weighted assets | 247,368,000 | 268,091,000 | 272,374,000 | 270,269,000 |