Call reports 2009
RICHLAND COUNTY BANK — 2009
What RICHLAND COUNTY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 106,868,000 | 106,808,000 | 105,260,000 | 108,209,000 |
| Total loans | 53,294,000 | 53,452,000 | 53,131,000 | 52,353,000 |
| Allowance for loan losses | 481,000 | 477,000 | 500,000 | 501,000 |
| Securities available for sale | 43,668,000 | 43,359,000 | 41,976,000 | 42,361,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,037,000 | 84,998,000 | 83,113,000 | 85,830,000 |
| Interest-bearing deposits | 75,070,000 | 75,066,000 | 73,459,000 | 75,699,000 |
| Noninterest-bearing deposits | 9,967,000 | 9,932,000 | 9,654,000 | 10,131,000 |
| Equity capital | 21,289,000 | 21,326,000 | 21,687,000 | 21,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,312,000 | 2,574,000 | 3,835,000 | 5,043,000 |
| Interest expense | 473,000 | 925,000 | 1,349,000 | 1,725,000 |
| Net interest income | 839,000 | 1,649,000 | 2,486,000 | 3,318,000 |
| Noninterest income | 115,000 | 249,000 | 400,000 | 537,000 |
| Noninterest expense | 641,000 | 1,324,000 | 1,901,000 | 2,511,000 |
| Provision for loan losses | 20,000 | 40,000 | 94,000 | 114,000 |
| Pretax income | 293,000 | 534,000 | 891,000 | 1,230,000 |
| Income tax | 75,000 | 163,000 | 220,000 | 361,000 |
| Net income | 218,000 | 371,000 | 671,000 | 869,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,783,000 | 20,936,000 | 21,218,000 | 20,984,000 |
| Total capital | 21,264,000 | 21,413,000 | 21,718,000 | 21,485,000 |
| Risk-weighted assets | 57,488,000 | 57,028,000 | 55,911,000 | 57,108,000 |