Call reports 2012
RICHLAND COUNTY BANK — 2012
What RICHLAND COUNTY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 106,291,000 | 104,393,000 | 102,063,000 | 103,006,000 |
| Total loans | 45,687,000 | 45,746,000 | 44,324,000 | 42,755,000 |
| Allowance for loan losses | 779,000 | 774,000 | 792,000 | 813,000 |
| Securities available for sale | 49,095,000 | 46,577,000 | 46,888,000 | 48,098,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,978,000 | 81,582,000 | 79,076,000 | 80,608,000 |
| Interest-bearing deposits | 70,910,000 | 68,642,000 | 67,512,000 | 68,578,000 |
| Noninterest-bearing deposits | 13,068,000 | 12,940,000 | 11,564,000 | 12,030,000 |
| Equity capital | 22,026,000 | 22,525,000 | 22,726,000 | 22,082,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,004,000 | 1,972,000 | 2,914,000 | 3,817,000 |
| Interest expense | 180,000 | 336,000 | 476,000 | 603,000 |
| Net interest income | 824,000 | 1,636,000 | 2,438,000 | 3,214,000 |
| Noninterest income | 159,000 | 302,000 | 445,000 | 517,000 |
| Noninterest expense | 591,000 | 1,202,000 | 1,795,000 | 2,439,000 |
| Provision for loan losses | 0 | 15,000 | 30,000 | 45,000 |
| Pretax income | 392,000 | 721,000 | 1,058,000 | 1,247,000 |
| Income tax | 75,000 | 150,000 | 225,000 | 273,000 |
| Net income | 317,000 | 571,000 | 833,000 | 974,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,720,000 | 21,974,000 | 22,236,000 | 21,565,000 |
| Total capital | 22,348,000 | 22,614,000 | 22,857,000 | 22,168,000 |
| Risk-weighted assets | 50,103,000 | 51,097,000 | 49,529,000 | 48,091,000 |