Call reports 2006
RICHLAND TRUST COMPANY, THE — 2006
What RICHLAND TRUST COMPANY, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 499,115,000 | 492,594,000 | 504,325,000 | 534,142,000 |
| Total loans | 247,542,000 | 244,707,000 | 246,463,000 | 245,694,000 |
| Allowance for loan losses | 5,745,000 | 5,623,000 | 5,644,000 | 5,339,000 |
| Securities available for sale | 150,964,000 | 133,465,000 | 134,093,000 | 129,173,000 |
| Securities held to maturity | 20,561,000 | 20,172,000 | 19,338,000 | 19,025,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,012,000 | 377,288,000 | 408,105,000 | 377,374,000 |
| Interest-bearing deposits | 327,770,000 | 328,859,000 | 358,326,000 | 331,227,000 |
| Noninterest-bearing deposits | 49,242,000 | 48,429,000 | 49,779,000 | 46,147,000 |
| Equity capital | 28,039,000 | 29,079,000 | 32,729,000 | 25,258,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,337,000 | 14,811,000 | 22,499,000 | 30,258,000 |
| Interest expense | 2,616,000 | 5,469,000 | 8,600,000 | 11,766,000 |
| Net interest income | 4,721,000 | 9,342,000 | 13,899,000 | 18,492,000 |
| Noninterest income | 1,097,000 | 2,314,000 | 3,427,000 | 4,672,000 |
| Noninterest expense | 2,709,000 | 5,553,000 | 8,311,000 | 10,835,000 |
| Provision for loan losses | 100,000 | 170,000 | 270,000 | 219,000 |
| Pretax income | 3,009,000 | 5,933,000 | 8,745,000 | 12,110,000 |
| Income tax | 1,018,000 | 2,007,000 | 2,965,000 | 4,123,000 |
| Net income | 1,991,000 | 3,926,000 | 5,780,000 | 7,987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,387,000 | 32,322,000 | 34,178,000 | 26,886,000 |
| Total capital | 33,888,000 | 35,795,000 | 37,669,000 | 30,466,000 |
| Risk-weighted assets | 277,810,000 | 275,660,000 | 277,154,000 | 284,675,000 |