Call reports 2010
RICHLAND COUNTY BANK — 2010
What RICHLAND COUNTY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 107,247,000 | 103,499,000 | 105,172,000 | 105,544,000 |
| Total loans | 51,510,000 | 51,691,000 | 51,164,000 | 50,652,000 |
| Allowance for loan losses | 619,000 | 696,000 | 710,000 | 705,000 |
| Securities available for sale | 42,467,000 | 41,356,000 | 40,967,000 | 45,234,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,292,000 | 81,347,000 | 82,700,000 | 83,450,000 |
| Interest-bearing deposits | 76,008,000 | 71,449,000 | 73,562,000 | 73,267,000 |
| Noninterest-bearing deposits | 9,284,000 | 9,898,000 | 9,138,000 | 10,183,000 |
| Equity capital | 21,471,000 | 21,729,000 | 21,978,000 | 21,342,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,185,000 | 2,315,000 | 3,448,000 | 4,524,000 |
| Interest expense | 351,000 | 676,000 | 979,000 | 1,264,000 |
| Net interest income | 834,000 | 1,639,000 | 2,469,000 | 3,260,000 |
| Noninterest income | 117,000 | 244,000 | 383,000 | 530,000 |
| Noninterest expense | 626,000 | 1,232,000 | 1,767,000 | 2,354,000 |
| Provision for loan losses | 150,000 | 245,000 | 255,000 | 285,000 |
| Pretax income | 175,000 | 406,000 | 830,000 | 976,000 |
| Income tax | 82,000 | 111,000 | 209,000 | 307,000 |
| Net income | 93,000 | 295,000 | 621,000 | 669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,055,000 | 21,257,000 | 21,383,000 | 21,020,000 |
| Total capital | 21,674,000 | 21,939,000 | 22,033,000 | 21,663,000 |
| Risk-weighted assets | 55,676,000 | 53,775,000 | 54,138,000 | 52,947,000 |