Call reports 2004
RICHLAND COUNTY BANK — 2004
What RICHLAND COUNTY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 105,171,000 | 106,682,000 | 108,250,000 | 106,505,000 |
| Total loans | 46,308,000 | 44,758,000 | 44,703,000 | 46,734,000 |
| Allowance for loan losses | 540,000 | 502,000 | 507,000 | 510,000 |
| Securities available for sale | 47,296,000 | 47,781,000 | 52,219,000 | 51,812,000 |
| Securities held to maturity | 265,000 | 265,000 | 265,000 | 165,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,563,000 | 87,306,000 | 87,939,000 | 86,558,000 |
| Interest-bearing deposits | 75,767,000 | 78,037,000 | 78,588,000 | 76,397,000 |
| Noninterest-bearing deposits | 8,796,000 | 9,269,000 | 9,351,000 | 10,161,000 |
| Equity capital | 19,506,000 | 18,822,000 | 19,520,000 | 19,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,340,000 | 2,673,000 | 3,999,000 | 5,340,000 |
| Interest expense | 500,000 | 995,000 | 1,491,000 | 1,975,000 |
| Net interest income | 840,000 | 1,678,000 | 2,508,000 | 3,365,000 |
| Noninterest income | 90,000 | 194,000 | 286,000 | 366,000 |
| Noninterest expense | 671,000 | 1,286,000 | 1,945,000 | 2,549,000 |
| Provision for loan losses | 11,000 | 21,000 | 21,000 | 21,000 |
| Pretax income | 248,000 | 565,000 | 828,000 | 1,161,000 |
| Income tax | 8,000 | 16,000 | 23,000 | 80,000 |
| Net income | 240,000 | 549,000 | 805,000 | 1,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,318,000 | 18,627,000 | 18,883,000 | 18,770,000 |
| Total capital | 18,858,000 | 19,129,000 | 19,390,000 | 19,280,000 |
| Risk-weighted assets | 51,592,000 | 55,082,000 | 52,252,000 | 52,018,000 |