Call reports 2008
RICHLAND TRUST COMPANY, THE — 2008
What RICHLAND TRUST COMPANY, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 |
|---|---|---|
| Total assets | 537,399,000 | 525,341,000 |
| Total loans | 211,906,000 | 211,710,000 |
| Allowance for loan losses | 4,715,000 | 4,624,000 |
| Securities available for sale | 230,297,000 | 211,741,000 |
| Securities held to maturity | 17,893,000 | 17,601,000 |
| Trading assets | 0 | 0 |
| Total deposits | 427,723,000 | 419,705,000 |
| Interest-bearing deposits | 392,464,000 | 375,033,000 |
| Noninterest-bearing deposits | 35,259,000 | 44,672,000 |
| Equity capital | 32,196,000 | 30,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 |
|---|---|---|
| Interest income | 7,482,000 | 14,534,000 |
| Interest expense | 2,854,000 | 5,084,000 |
| Net interest income | 4,628,000 | 9,450,000 |
| Noninterest income | 1,640,000 | 3,132,000 |
| Noninterest expense | 2,612,000 | 5,203,000 |
| Provision for loan losses | 75,000 | 385,000 |
| Pretax income | 3,581,000 | 7,052,000 |
| Income tax | 1,227,000 | 2,417,000 |
| Net income | 2,354,000 | 4,635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 |
|---|---|---|
| Tier 1 capital | 28,781,000 | 30,063,000 |
| Total capital | 31,983,000 | 33,259,000 |
| Risk-weighted assets | 254,684,000 | 254,265,000 |