Call reports 2007
RICHLAND TRUST COMPANY, THE — 2007
What RICHLAND TRUST COMPANY, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 548,437,000 | 548,206,000 | 577,790,000 | 519,036,000 |
| Total loans | 239,469,000 | 237,188,000 | 229,596,000 | 220,013,000 |
| Allowance for loan losses | 5,262,000 | 5,315,000 | 5,029,000 | 4,773,000 |
| Securities available for sale | 123,883,000 | 119,974,000 | 243,098,000 | 239,542,000 |
| Securities held to maturity | 18,823,000 | 18,488,000 | 18,099,000 | 17,906,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 412,910,000 | 413,086,000 | 427,964,000 | 401,377,000 |
| Interest-bearing deposits | 365,500,000 | 365,824,000 | 379,570,000 | 356,832,000 |
| Noninterest-bearing deposits | 47,410,000 | 47,262,000 | 48,394,000 | 44,545,000 |
| Equity capital | 27,086,000 | 27,363,000 | 29,788,000 | 31,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,617,000 | 15,885,000 | 24,227,000 | 32,281,000 |
| Interest expense | 3,341,000 | 7,367,000 | 11,521,000 | 15,139,000 |
| Net interest income | 4,276,000 | 8,518,000 | 12,706,000 | 17,142,000 |
| Noninterest income | 1,223,000 | 2,580,000 | 3,938,000 | 5,254,000 |
| Noninterest expense | 2,867,000 | 5,656,000 | 8,444,000 | 11,249,000 |
| Provision for loan losses | 420,000 | 900,000 | 1,470,000 | 2,200,000 |
| Pretax income | 2,212,000 | 4,542,000 | 6,730,000 | 8,947,000 |
| Income tax | 746,000 | 1,537,000 | 2,278,000 | 3,032,000 |
| Net income | 1,466,000 | 3,005,000 | 4,452,000 | 5,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,353,000 | 29,892,000 | 30,938,000 | 29,901,000 |
| Total capital | 31,898,000 | 33,444,000 | 34,492,000 | 33,208,000 |
| Risk-weighted assets | 281,864,000 | 282,358,000 | 282,863,000 | 263,129,000 |