Call reports 2016
RICHLAND COUNTY BANK — 2016
What RICHLAND COUNTY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 100,911,000 | 100,618,000 | 101,268,000 | 101,944,000 |
| Total loans | 42,531,000 | 42,791,000 | 41,616,000 | 40,694,000 |
| Allowance for loan losses | 533,000 | 534,000 | 534,000 | 514,000 |
| Securities available for sale | 41,441,000 | 42,619,000 | 42,417,000 | 43,415,000 |
| Securities held to maturity | 600,000 | 600,000 | 600,000 | 450,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,874,000 | 82,398,000 | 83,018,000 | 84,238,000 |
| Interest-bearing deposits | 67,872,000 | 65,852,000 | 63,872,000 | 65,234,000 |
| Noninterest-bearing deposits | 15,002,000 | 16,546,000 | 19,146,000 | 19,004,000 |
| Equity capital | 17,814,000 | 18,105,000 | 18,111,000 | 17,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 726,000 | 1,438,000 | 2,153,000 | 2,950,000 |
| Interest expense | 64,000 | 121,000 | 177,000 | 228,000 |
| Net interest income | 662,000 | 1,317,000 | 1,976,000 | 2,722,000 |
| Noninterest income | 98,000 | 198,000 | 302,000 | 410,000 |
| Noninterest expense | 579,000 | 1,160,000 | 1,751,000 | 2,337,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 181,000 | 355,000 | 527,000 | 795,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 3,000 |
| Net income | 179,000 | 353,000 | 525,000 | 792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,598,000 | 17,711,000 | 17,761,000 | 17,713,000 |
| Total capital | 18,131,000 | 18,245,000 | 18,295,000 | 18,227,000 |
| Risk-weighted assets | 51,488,000 | 51,589,000 | 51,648,000 | 50,997,000 |