Call reports 2014
RICHLAND COUNTY BANK — 2014
What RICHLAND COUNTY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 104,211,000 | 103,389,000 | 101,297,000 | 105,981,000 |
| Total loans | 41,461,000 | 42,124,000 | 42,934,000 | 41,963,000 |
| Allowance for loan losses | 669,000 | 670,000 | 667,000 | 554,000 |
| Securities available for sale | 50,335,000 | 47,659,000 | 47,613,000 | 45,929,000 |
| Securities held to maturity | 0 | 0 | 0 | 750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,469,000 | 82,367,000 | 80,178,000 | 84,441,000 |
| Interest-bearing deposits | 70,243,000 | 68,678,000 | 67,490,000 | 71,199,000 |
| Noninterest-bearing deposits | 13,226,000 | 13,689,000 | 12,688,000 | 13,242,000 |
| Equity capital | 20,547,000 | 20,869,000 | 20,961,000 | 17,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 797,000 | 1,586,000 | 2,363,000 | 3,134,000 |
| Interest expense | 92,000 | 183,000 | 271,000 | 356,000 |
| Net interest income | 705,000 | 1,403,000 | 2,092,000 | 2,778,000 |
| Noninterest income | 104,000 | 216,000 | 335,000 | 463,000 |
| Noninterest expense | 627,000 | 1,228,000 | 1,852,000 | 2,505,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 182,000 | 391,000 | 575,000 | 736,000 |
| Income tax | 61,000 | 118,000 | 148,000 | 182,000 |
| Net income | 121,000 | 273,000 | 427,000 | 554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,041,000 | 21,172,000 | 21,326,000 | 17,400,000 |
| Total capital | 21,652,000 | 21,783,000 | 21,969,000 | 17,954,000 |
| Risk-weighted assets | 48,799,000 | 48,859,000 | 51,409,000 | 51,422,000 |