Call reports 2015
RICHLAND COUNTY BANK — 2015
What RICHLAND COUNTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 99,350,000 | 97,471,000 | 96,853,000 | 100,736,000 |
| Total loans | 40,455,000 | 42,235,000 | 42,770,000 | 43,061,000 |
| Allowance for loan losses | 529,000 | 529,000 | 530,000 | 533,000 |
| Securities available for sale | 45,074,000 | 43,354,000 | 42,841,000 | 42,547,000 |
| Securities held to maturity | 750,000 | 750,000 | 750,000 | 600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,808,000 | 79,878,000 | 78,859,000 | 82,748,000 |
| Interest-bearing deposits | 68,651,000 | 64,473,000 | 63,692,000 | 66,895,000 |
| Noninterest-bearing deposits | 13,157,000 | 15,405,000 | 15,167,000 | 15,853,000 |
| Equity capital | 17,401,000 | 17,476,000 | 17,855,000 | 17,434,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 724,000 | 1,449,000 | 2,182,000 | 2,914,000 |
| Interest expense | 81,000 | 159,000 | 232,000 | 300,000 |
| Net interest income | 643,000 | 1,290,000 | 1,950,000 | 2,614,000 |
| Noninterest income | 119,000 | 243,000 | 371,000 | 468,000 |
| Noninterest expense | 643,000 | 1,258,000 | 1,871,000 | 2,466,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 119,000 | 275,000 | 450,000 | 616,000 |
| Income tax | 132,000 | 132,000 | 132,000 | 132,000 |
| Net income | -13,000 | 143,000 | 318,000 | 484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,387,000 | 17,543,000 | 17,718,000 | 17,511,000 |
| Total capital | 17,916,000 | 18,072,000 | 18,248,000 | 18,044,000 |
| Risk-weighted assets | 50,898,000 | 51,999,000 | 52,505,000 | 51,756,000 |