Call reports 2002
RICHLAND COUNTY BANK — 2002
What RICHLAND COUNTY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 103,138,000 | 105,020,000 | 105,247,000 | 106,171,000 |
| Total loans | 48,089,000 | 49,793,000 | 51,720,000 | 49,953,000 |
| Allowance for loan losses | 650,000 | 645,000 | 656,000 | 535,000 |
| Securities available for sale | 43,623,000 | 43,906,000 | 44,684,000 | 43,847,000 |
| Securities held to maturity | 552,000 | 552,000 | 552,000 | 552,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,706,000 | 85,803,000 | 85,428,000 | 86,130,000 |
| Interest-bearing deposits | 76,518,000 | 77,974,000 | 76,958,000 | 78,540,000 |
| Noninterest-bearing deposits | 8,188,000 | 7,829,000 | 8,470,000 | 7,590,000 |
| Equity capital | 17,572,000 | 18,237,000 | 18,707,000 | 18,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,609,000 | 3,190,000 | 4,778,000 | 6,398,000 |
| Interest expense | 757,000 | 1,496,000 | 2,204,000 | 2,861,000 |
| Net interest income | 852,000 | 1,694,000 | 2,574,000 | 3,537,000 |
| Noninterest income | 65,000 | 136,000 | 203,000 | 308,000 |
| Noninterest expense | 648,000 | 1,235,000 | 2,004,000 | 2,734,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 23,000 |
| Pretax income | 269,000 | 595,000 | 763,000 | 1,088,000 |
| Income tax | 105,000 | 173,000 | 173,000 | 211,000 |
| Net income | 164,000 | 422,000 | 590,000 | 877,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,947,000 | 17,204,000 | 17,373,000 | 17,250,000 |
| Total capital | 17,597,000 | 17,849,000 | 18,029,000 | 17,785,000 |
| Risk-weighted assets | 53,404,000 | 52,791,000 | 53,254,000 | 55,018,000 |