Call reports 2005
RICHLAND TRUST COMPANY, THE — 2005
What RICHLAND TRUST COMPANY, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 543,443,000 | 506,727,000 | 527,676,000 | 506,199,000 |
| Total loans | 271,097,000 | 270,411,000 | 268,145,000 | 266,293,000 |
| Allowance for loan losses | 6,029,000 | 6,029,000 | 5,717,000 | 5,744,000 |
| Securities available for sale | 190,202,000 | 165,424,000 | 152,313,000 | 143,511,000 |
| Securities held to maturity | 27,008,000 | 26,094,000 | 22,591,000 | 21,215,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 388,047,000 | 368,652,000 | 385,839,000 | 373,398,000 |
| Interest-bearing deposits | 342,643,000 | 318,854,000 | 332,859,000 | 351,698,000 |
| Noninterest-bearing deposits | 45,404,000 | 49,798,000 | 52,980,000 | 21,700,000 |
| Equity capital | 31,854,000 | 35,812,000 | 36,572,000 | 27,616,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,877,000 | 14,124,000 | 21,365,000 | 28,522,000 |
| Interest expense | 1,664,000 | 3,798,000 | 5,953,000 | 8,249,000 |
| Net interest income | 5,213,000 | 10,326,000 | 15,412,000 | 20,273,000 |
| Noninterest income | 1,047,000 | 2,208,000 | 3,308,000 | 4,420,000 |
| Noninterest expense | 2,695,000 | 5,365,000 | 8,108,000 | 10,621,000 |
| Provision for loan losses | 30,000 | 170,000 | 310,000 | 700,000 |
| Pretax income | 3,535,000 | 7,021,000 | 10,324,000 | 13,394,000 |
| Income tax | 1,202,000 | 2,388,000 | 3,508,000 | 4,552,000 |
| Net income | 2,333,000 | 4,633,000 | 6,816,000 | 8,842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,389,000 | 34,688,000 | 36,871,000 | 28,396,000 |
| Total capital | 36,097,000 | 38,288,000 | 40,580,000 | 32,060,000 |
| Risk-weighted assets | 294,338,000 | 285,556,000 | 294,739,000 | 291,035,000 |