Call reports 2002
RICHLAND TRUST COMPANY, THE — 2002
What RICHLAND TRUST COMPANY, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 482,417,000 | 499,737,000 | 470,170,000 | 472,055,000 |
| Total loans | 258,636,000 | 256,617,000 | 261,242,000 | 257,535,000 |
| Allowance for loan losses | 5,691,000 | 5,821,000 | 5,851,000 | 5,958,000 |
| Securities available for sale | 178,229,000 | 181,315,000 | 168,695,000 | 146,308,000 |
| Securities held to maturity | 0 | 0 | 0 | 26,739,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,623,000 | 382,174,000 | 392,078,000 | 376,946,000 |
| Interest-bearing deposits | 346,319,000 | 345,053,000 | 353,153,000 | 332,783,000 |
| Noninterest-bearing deposits | 37,304,000 | 37,121,000 | 38,925,000 | 44,163,000 |
| Equity capital | 33,468,000 | 37,939,000 | 39,822,000 | 31,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 7,770,000 | 15,459,000 | 22,953,000 | 29,933,000 |
| Interest expense | 1,993,000 | 3,980,000 | 5,921,000 | 7,656,000 |
| Net interest income | 5,777,000 | 11,479,000 | 17,032,000 | 22,277,000 |
| Noninterest income | 802,000 | 1,675,000 | 2,608,000 | 3,775,000 |
| Noninterest expense | 2,805,000 | 5,502,000 | 8,734,000 | 12,591,000 |
| Provision for loan losses | 585,000 | 995,000 | 1,355,000 | 1,995,000 |
| Pretax income | 3,076,000 | 6,544,000 | 9,438,000 | 11,353,000 |
| Income tax | 1,043,000 | 2,224,000 | 3,206,000 | 3,844,000 |
| Net income | 2,033,000 | 4,320,000 | 6,232,000 | 7,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,938,000 | 32,586,000 | 35,321,000 | 27,782,000 |
| Total capital | 33,284,000 | 35,966,000 | 38,970,000 | 31,342,000 |
| Risk-weighted assets | 265,359,000 | 267,979,000 | 289,742,000 | 282,441,000 |