Call reports 2001
RICHLAND COUNTY BANK — 2001
What RICHLAND COUNTY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 98,331,000 | 99,847,000 | 101,784,000 | 104,911,000 |
| Total loans | 51,579,000 | 51,716,000 | 51,910,000 | 51,323,000 |
| Allowance for loan losses | 658,000 | 658,000 | 663,000 | 660,000 |
| Securities available for sale | 40,025,000 | 39,656,000 | 39,825,000 | 41,989,000 |
| Securities held to maturity | 902,000 | 903,000 | 823,000 | 723,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,333,000 | 81,670,000 | 82,712,000 | 86,002,000 |
| Interest-bearing deposits | 73,700,000 | 74,012,000 | 75,160,000 | 78,062,000 |
| Noninterest-bearing deposits | 6,633,000 | 7,658,000 | 7,552,000 | 7,940,000 |
| Equity capital | 16,998,000 | 17,259,000 | 17,988,000 | 17,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,803,000 | 3,584,000 | 5,361,000 | 7,096,000 |
| Interest expense | 867,000 | 1,739,000 | 2,612,000 | 3,443,000 |
| Net interest income | 936,000 | 1,845,000 | 2,749,000 | 3,653,000 |
| Noninterest income | 109,000 | 194,000 | 290,000 | 369,000 |
| Noninterest expense | 561,000 | 1,074,000 | 1,626,000 | 2,215,000 |
| Provision for loan losses | 0 | 63,000 | 63,000 | 83,000 |
| Pretax income | 484,000 | 902,000 | 1,350,000 | 1,757,000 |
| Income tax | 37,000 | 112,000 | 186,000 | 261,000 |
| Net income | 447,000 | 790,000 | 1,164,000 | 1,496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,193,000 | 16,486,000 | 16,860,000 | 16,782,000 |
| Total capital | 16,837,000 | 17,125,000 | 17,523,000 | 17,442,000 |
| Risk-weighted assets | 51,643,000 | 51,612,000 | 53,044,000 | 55,374,000 |