Call reports 2003
RICHLAND TRUST COMPANY, THE — 2003
What RICHLAND TRUST COMPANY, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 573,831,000 | 533,206,000 | 487,554,000 | 577,540,000 |
| Total loans | 247,949,000 | 255,742,000 | 256,481,000 | 260,726,000 |
| Allowance for loan losses | 6,196,000 | 6,196,000 | 6,274,000 | 6,078,000 |
| Securities available for sale | 199,408,000 | 160,966,000 | 175,296,000 | 211,257,000 |
| Securities held to maturity | 53,733,000 | 20,756,000 | 6,289,000 | 4,070,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 388,328,000 | 377,039,000 | 382,880,000 | 386,507,000 |
| Interest-bearing deposits | 346,263,000 | 360,255,000 | 343,144,000 | 369,554,000 |
| Noninterest-bearing deposits | 42,065,000 | 16,784,000 | 39,736,000 | 16,953,000 |
| Equity capital | 33,669,000 | 36,746,000 | 37,298,000 | 31,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,058,000 | 13,917,000 | 20,156,000 | 26,482,000 |
| Interest expense | 1,500,000 | 2,889,000 | 4,126,000 | 5,401,000 |
| Net interest income | 5,558,000 | 11,028,000 | 16,030,000 | 21,081,000 |
| Noninterest income | 1,332,000 | 2,829,000 | 4,036,000 | 5,037,000 |
| Noninterest expense | 2,598,000 | 5,081,000 | 7,588,000 | 10,166,000 |
| Provision for loan losses | 330,000 | 360,000 | 690,000 | 845,000 |
| Pretax income | 3,823,000 | 8,277,000 | 11,537,000 | 14,783,000 |
| Income tax | 1,303,000 | 2,827,000 | 3,934,000 | 5,035,000 |
| Net income | 2,520,000 | 5,450,000 | 7,603,000 | 9,748,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,294,000 | 33,216,000 | 35,357,000 | 29,501,000 |
| Total capital | 34,027,000 | 36,886,000 | 38,958,000 | 33,242,000 |
| Risk-weighted assets | 296,211,000 | 291,095,000 | 285,392,000 | 296,916,000 |