Call reports 2011
RICHLAND COUNTY BANK — 2011
What RICHLAND COUNTY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 105,671,000 | 104,769,000 | 105,333,000 | 108,536,000 |
| Total loans | 49,122,000 | 47,460,000 | 47,735,000 | 46,338,000 |
| Allowance for loan losses | 717,000 | 737,000 | 753,000 | 787,000 |
| Securities available for sale | 44,213,000 | 44,571,000 | 45,308,000 | 47,663,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,892,000 | 82,617,000 | 82,636,000 | 85,671,000 |
| Interest-bearing deposits | 71,958,000 | 71,142,000 | 70,548,000 | 73,302,000 |
| Noninterest-bearing deposits | 11,934,000 | 11,475,000 | 12,088,000 | 12,369,000 |
| Equity capital | 21,466,000 | 21,835,000 | 22,268,000 | 22,022,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,056,000 | 2,081,000 | 3,083,000 | 4,086,000 |
| Interest expense | 243,000 | 466,000 | 675,000 | 873,000 |
| Net interest income | 813,000 | 1,615,000 | 2,408,000 | 3,213,000 |
| Noninterest income | 126,000 | 249,000 | 404,000 | 557,000 |
| Noninterest expense | 617,000 | 1,211,000 | 1,793,000 | 2,481,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 100,000 |
| Pretax income | 292,000 | 593,000 | 929,000 | 1,189,000 |
| Income tax | 98,000 | 195,000 | 293,000 | 358,000 |
| Net income | 194,000 | 398,000 | 636,000 | 831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,214,000 | 21,418,000 | 21,656,000 | 21,448,000 |
| Total capital | 21,838,000 | 22,011,000 | 22,290,000 | 22,079,000 |
| Risk-weighted assets | 52,294,000 | 50,608,000 | 50,575,000 | 50,344,000 |