Call reports 2007
RICHLAND COUNTY BANK — 2007
What RICHLAND COUNTY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 102,948,000 | 101,373,000 | 102,801,000 | 104,554,000 |
| Total loans | 47,824,000 | 48,434,000 | 49,532,000 | 49,831,000 |
| Allowance for loan losses | 488,000 | 477,000 | 475,000 | 462,000 |
| Securities available for sale | 43,204,000 | 43,662,000 | 42,763,000 | 43,642,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,490,000 | 81,192,000 | 82,035,000 | 83,279,000 |
| Interest-bearing deposits | 73,550,000 | 71,946,000 | 72,675,000 | 73,885,000 |
| Noninterest-bearing deposits | 8,940,000 | 9,246,000 | 9,360,000 | 9,394,000 |
| Equity capital | 19,990,000 | 19,782,000 | 20,338,000 | 20,363,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,472,000 | 2,953,000 | 4,435,000 | 5,965,000 |
| Interest expense | 567,000 | 1,150,000 | 1,745,000 | 2,356,000 |
| Net interest income | 905,000 | 1,803,000 | 2,690,000 | 3,609,000 |
| Noninterest income | 101,000 | 206,000 | 329,000 | 434,000 |
| Noninterest expense | 627,000 | 1,236,000 | 1,843,000 | 2,501,000 |
| Provision for loan losses | 41,000 | 169,000 | 181,000 | 181,000 |
| Pretax income | 338,000 | 604,000 | 996,000 | 1,362,000 |
| Income tax | 43,000 | 105,000 | 175,000 | 275,000 |
| Net income | 295,000 | 499,000 | 821,000 | 1,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,035,000 | 19,998,000 | 20,290,000 | 20,125,000 |
| Total capital | 20,523,000 | 20,475,000 | 20,765,000 | 20,587,000 |
| Risk-weighted assets | 55,819,000 | 54,505,000 | 55,740,000 | 56,653,000 |