Call reports 2008
RICHLAND COUNTY BANK — 2008
What RICHLAND COUNTY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 106,614,000 | 105,856,000 | 106,014,000 | 107,984,000 |
| Total loans | 49,958,000 | 50,726,000 | 51,428,000 | 51,799,000 |
| Allowance for loan losses | 461,000 | 466,000 | 474,000 | 469,000 |
| Securities available for sale | 44,046,000 | 44,996,000 | 45,957,000 | 45,874,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,939,000 | 84,868,000 | 84,389,000 | 85,678,000 |
| Interest-bearing deposits | 75,638,000 | 74,732,000 | 75,435,000 | 76,504,000 |
| Noninterest-bearing deposits | 9,301,000 | 10,136,000 | 8,954,000 | 9,174,000 |
| Equity capital | 21,090,000 | 20,558,000 | 21,216,000 | 21,229,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,558,000 | 3,034,000 | 4,463,000 | 5,842,000 |
| Interest expense | 603,000 | 1,182,000 | 1,741,000 | 2,285,000 |
| Net interest income | 955,000 | 1,852,000 | 2,722,000 | 3,557,000 |
| Noninterest income | 96,000 | 203,000 | 312,000 | 406,000 |
| Noninterest expense | 630,000 | 1,265,000 | 1,913,000 | 2,553,000 |
| Provision for loan losses | 10,000 | 25,000 | 35,000 | 60,000 |
| Pretax income | 411,000 | 765,000 | 1,086,000 | 1,350,000 |
| Income tax | 55,000 | 102,000 | 143,000 | 308,000 |
| Net income | 356,000 | 663,000 | 943,000 | 1,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,481,000 | 20,713,000 | 20,908,000 | 20,581,000 |
| Total capital | 20,942,000 | 21,179,000 | 21,382,000 | 21,050,000 |
| Risk-weighted assets | 58,270,000 | 57,209,000 | 56,987,000 | 57,248,000 |