Call reports 2004
RICHLAND TRUST COMPANY, THE — 2004
What RICHLAND TRUST COMPANY, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 542,533,000 | 575,823,000 | 564,576,000 | 512,164,000 |
| Total loans | 268,574,000 | 272,853,000 | 282,902,000 | 277,812,000 |
| Allowance for loan losses | 6,165,000 | 6,195,000 | 6,247,000 | 6,113,000 |
| Securities available for sale | 202,670,000 | 212,164,000 | 210,205,000 | 202,971,000 |
| Securities held to maturity | 2,351,000 | 4,797,000 | 8,599,000 | 8,035,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,167,000 | 375,599,000 | 392,238,000 | 386,652,000 |
| Interest-bearing deposits | 371,620,000 | 355,490,000 | 376,172,000 | 361,550,000 |
| Noninterest-bearing deposits | 18,547,000 | 20,109,000 | 16,066,000 | 25,102,000 |
| Equity capital | 34,843,000 | 32,810,000 | 38,499,000 | 31,619,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,665,000 | 13,265,000 | 20,295,000 | 27,249,000 |
| Interest expense | 1,281,000 | 2,520,000 | 3,911,000 | 5,257,000 |
| Net interest income | 5,384,000 | 10,745,000 | 16,384,000 | 21,992,000 |
| Noninterest income | 1,160,000 | 2,461,000 | 3,512,000 | 4,548,000 |
| Noninterest expense | 3,101,000 | 5,728,000 | 8,308,000 | 10,937,000 |
| Provision for loan losses | 180,000 | 285,000 | 540,000 | 735,000 |
| Pretax income | 3,263,000 | 7,193,000 | 11,048,000 | 14,659,000 |
| Income tax | 1,070,000 | 2,359,000 | 3,674,000 | 4,906,000 |
| Net income | 2,193,000 | 4,834,000 | 7,374,000 | 9,753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,694,000 | 34,334,000 | 36,875,000 | 30,055,000 |
| Total capital | 35,385,000 | 38,190,000 | 40,755,000 | 33,759,000 |
| Risk-weighted assets | 292,802,000 | 306,144,000 | 308,065,000 | 293,890,000 |