Call reports 2013
RICHLAND COUNTY BANK — 2013
What RICHLAND COUNTY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 102,866,000 | 101,736,000 | 102,367,000 | 103,857,000 |
| Total loans | 41,120,000 | 41,208,000 | 41,871,000 | 42,149,000 |
| Allowance for loan losses | 674,000 | 673,000 | 674,000 | 668,000 |
| Securities available for sale | 48,739,000 | 50,232,000 | 49,709,000 | 49,415,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,034,000 | 80,309,000 | 81,557,000 | 82,701,000 |
| Interest-bearing deposits | 67,617,000 | 67,194,000 | 67,640,000 | 69,857,000 |
| Noninterest-bearing deposits | 13,417,000 | 13,115,000 | 13,917,000 | 12,844,000 |
| Equity capital | 21,577,000 | 21,257,000 | 20,637,000 | 20,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 853,000 | 1,683,000 | 2,520,000 | 3,356,000 |
| Interest expense | 112,000 | 217,000 | 321,000 | 419,000 |
| Net interest income | 741,000 | 1,466,000 | 2,199,000 | 2,937,000 |
| Noninterest income | 144,000 | 264,000 | 414,000 | 550,000 |
| Noninterest expense | 581,000 | 1,197,000 | 1,810,000 | 2,443,000 |
| Provision for loan losses | 9,000 | 9,000 | 9,000 | 9,000 |
| Pretax income | 295,000 | 524,000 | 794,000 | 1,035,000 |
| Income tax | 76,000 | 151,000 | 227,000 | 303,000 |
| Net income | 219,000 | 373,000 | 567,000 | 732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,212,000 | 21,160,000 | 21,355,000 | 21,125,000 |
| Total capital | 21,803,000 | 21,751,000 | 21,964,000 | 21,745,000 |
| Risk-weighted assets | 47,239,000 | 47,236,000 | 48,580,000 | 49,560,000 |