Call reports 2006
RICHLAND COUNTY BANK — 2006
What RICHLAND COUNTY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 104,700,000 | 104,008,000 | 102,035,000 | 103,904,000 |
| Total loans | 46,638,000 | 47,105,000 | 48,437,000 | 49,475,000 |
| Allowance for loan losses | 413,000 | 421,000 | 455,000 | 454,000 |
| Securities available for sale | 47,675,000 | 46,989,000 | 47,114,000 | 43,465,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,244,000 | 84,491,000 | 82,030,000 | 83,390,000 |
| Interest-bearing deposits | 75,383,000 | 74,317,000 | 61,718,000 | 73,598,000 |
| Noninterest-bearing deposits | 9,861,000 | 10,174,000 | 20,312,000 | 9,792,000 |
| Equity capital | 19,024,000 | 19,145,000 | 19,590,000 | 19,606,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,359,000 | 2,749,000 | 4,204,000 | 5,698,000 |
| Interest expense | 487,000 | 1,010,000 | 1,558,000 | 2,128,000 |
| Net interest income | 872,000 | 1,739,000 | 2,646,000 | 3,570,000 |
| Noninterest income | 85,000 | 177,000 | 287,000 | 402,000 |
| Noninterest expense | 614,000 | 1,192,000 | 1,814,000 | 2,361,000 |
| Provision for loan losses | 10,000 | 15,000 | 45,000 | 45,000 |
| Pretax income | 333,000 | 709,000 | 1,074,000 | 1,286,000 |
| Income tax | 93,000 | 150,000 | 207,000 | 277,000 |
| Net income | 240,000 | 559,000 | 867,000 | 1,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,420,000 | 19,739,000 | 20,037,000 | 19,741,000 |
| Total capital | 19,833,000 | 20,160,000 | 20,492,000 | 20,195,000 |
| Risk-weighted assets | 53,642,000 | 53,107,000 | 52,176,000 | 55,034,000 |