Call reports 2003
RICHLAND COUNTY BANK — 2003
What RICHLAND COUNTY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 106,300,000 | 105,752,000 | 104,997,000 | 106,254,000 |
| Total loans | 49,060,000 | 47,999,000 | 47,283,000 | 46,246,000 |
| Allowance for loan losses | 542,000 | 548,000 | 547,000 | 535,000 |
| Securities available for sale | 44,041,000 | 46,808,000 | 44,278,000 | 44,866,000 |
| Securities held to maturity | 438,000 | 264,000 | 264,000 | 264,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,103,000 | 84,882,000 | 84,844,000 | 85,930,000 |
| Interest-bearing deposits | 77,490,000 | 76,769,000 | 76,750,000 | 77,393,000 |
| Noninterest-bearing deposits | 8,613,000 | 8,113,000 | 8,094,000 | 8,537,000 |
| Equity capital | 18,996,000 | 19,568,000 | 19,193,000 | 18,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,507,000 | 3,027,000 | 4,472,000 | 5,878,000 |
| Interest expense | 600,000 | 1,177,000 | 1,722,000 | 2,241,000 |
| Net interest income | 907,000 | 1,850,000 | 2,750,000 | 3,637,000 |
| Noninterest income | 79,000 | 163,000 | 264,000 | 354,000 |
| Noninterest expense | 629,000 | 1,310,000 | 1,971,000 | 2,606,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 10,000 |
| Pretax income | 357,000 | 703,000 | 1,033,000 | 1,375,000 |
| Income tax | 18,000 | 48,000 | 78,000 | 138,000 |
| Net income | 339,000 | 655,000 | 955,000 | 1,237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,610,000 | 17,926,000 | 18,206,000 | 18,078,000 |
| Total capital | 18,152,000 | 18,474,000 | 18,753,000 | 18,613,000 |
| Risk-weighted assets | 55,316,000 | 53,421,000 | 54,383,000 | 53,714,000 |