Call reports 2017
RICHLAND COUNTY BANK — 2017
What RICHLAND COUNTY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 100,660,000 | 101,230,000 | 98,599,000 | 100,766,000 |
| Total loans | 41,025,000 | 41,520,000 | 42,136,000 | 39,752,000 |
| Allowance for loan losses | 514,000 | 510,000 | 510,000 | 488,000 |
| Securities available for sale | 45,634,000 | 44,469,000 | 45,436,000 | 45,446,000 |
| Securities held to maturity | 450,000 | 450,000 | 450,000 | 375,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,114,000 | 83,465,000 | 80,595,000 | 82,884,000 |
| Interest-bearing deposits | 64,878,000 | 48,662,000 | 62,158,000 | 63,783,000 |
| Noninterest-bearing deposits | 18,236,000 | 34,803,000 | 18,437,000 | 19,101,000 |
| Equity capital | 17,354,000 | 17,668,000 | 17,866,000 | 17,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 710,000 | 1,441,000 | 2,188,000 | 2,956,000 |
| Interest expense | 46,000 | 89,000 | 129,000 | 169,000 |
| Net interest income | 664,000 | 1,352,000 | 2,059,000 | 2,787,000 |
| Noninterest income | 88,000 | 117,000 | 219,000 | 321,000 |
| Noninterest expense | 593,000 | 1,150,000 | 1,717,000 | 2,239,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 159,000 | 319,000 | 561,000 | 869,000 |
| Income tax | -2,000 | -2,000 | -2,000 | -2,000 |
| Net income | 161,000 | 321,000 | 563,000 | 871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,813,000 | 17,912,000 | 18,063,000 | 17,908,000 |
| Total capital | 18,327,000 | 18,422,000 | 18,573,000 | 18,396,000 |
| Risk-weighted assets | 50,510,000 | 52,140,000 | 51,272,000 | 51,554,000 |