Call reports 2005
RICHLAND COUNTY BANK — 2005
What RICHLAND COUNTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 104,593,000 | 101,809,000 | 102,798,000 | 105,279,000 |
| Total loans | 46,131,000 | 46,099,000 | 46,555,000 | 46,093,000 |
| Allowance for loan losses | 510,000 | 511,000 | 520,000 | 440,000 |
| Securities available for sale | 49,625,000 | 48,114,000 | 46,707,000 | 47,100,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,406,000 | 82,301,000 | 83,178,000 | 85,587,000 |
| Interest-bearing deposits | 75,547,000 | 72,851,000 | 73,052,000 | 74,787,000 |
| Noninterest-bearing deposits | 9,859,000 | 9,450,000 | 10,126,000 | 10,800,000 |
| Equity capital | 18,872,000 | 19,198,000 | 19,252,000 | 18,876,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,292,000 | 2,571,000 | 3,852,000 | 5,161,000 |
| Interest expense | 464,000 | 919,000 | 1,388,000 | 1,869,000 |
| Net interest income | 828,000 | 1,652,000 | 2,464,000 | 3,292,000 |
| Noninterest income | 96,000 | 192,000 | 302,000 | 405,000 |
| Noninterest expense | 641,000 | 1,254,000 | 1,898,000 | 2,509,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 15,000 |
| Pretax income | 283,000 | 590,000 | 858,000 | 1,173,000 |
| Income tax | 36,000 | 66,000 | 111,000 | 148,000 |
| Net income | 247,000 | 524,000 | 747,000 | 1,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,873,000 | 19,109,000 | 19,332,000 | 19,180,000 |
| Total capital | 19,383,000 | 19,620,000 | 19,852,000 | 19,620,000 |
| Risk-weighted assets | 52,184,000 | 51,414,000 | 51,924,000 | 53,926,000 |