Call reports 2018
RICHLAND COUNTY BANK — 2018
What RICHLAND COUNTY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 97,978,000 | 97,346,000 | 97,004,000 | 99,497,000 |
| Total loans | 38,723,000 | 38,554,000 | 39,873,000 | 42,057,000 |
| Allowance for loan losses | 489,000 | 494,000 | 494,000 | 494,000 |
| Securities available for sale | 45,842,000 | 44,146,000 | 43,692,000 | 42,773,000 |
| Securities held to maturity | 375,000 | 375,000 | 375,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,700,000 | 80,108,000 | 79,701,000 | 81,561,000 |
| Interest-bearing deposits | 61,889,000 | 60,142,000 | 60,504,000 | 62,769,000 |
| Noninterest-bearing deposits | 18,811,000 | 19,966,000 | 19,197,000 | 18,792,000 |
| Equity capital | 17,088,000 | 17,150,000 | 17,180,000 | 17,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 745,000 | 1,481,000 | 2,252,000 | 3,061,000 |
| Interest expense | 38,000 | 75,000 | 117,000 | 168,000 |
| Net interest income | 707,000 | 1,406,000 | 2,135,000 | 2,893,000 |
| Noninterest income | 75,000 | 173,000 | 271,000 | 362,000 |
| Noninterest expense | 577,000 | 1,167,000 | 1,782,000 | 2,398,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 205,000 | 412,000 | 624,000 | 857,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 203,000 | 410,000 | 622,000 | 855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,022,000 | 18,138,000 | 18,260,000 | 18,178,000 |
| Total capital | 18,511,000 | 18,632,000 | 18,754,000 | 18,672,000 |
| Risk-weighted assets | 48,940,000 | 50,360,000 | 51,291,000 | 53,741,000 |