Call reports 2019
RICHLAND COUNTY BANK — 2019
What RICHLAND COUNTY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 100,140,000 | 99,634,000 | 99,528,000 | 101,916,000 |
| Total loans | 43,329,000 | 45,313,000 | 45,432,000 | 44,852,000 |
| Allowance for loan losses | 493,000 | 494,000 | 483,000 | 487,000 |
| Securities available for sale | 42,154,000 | 43,311,000 | 42,590,000 | 43,152,000 |
| Securities held to maturity | 300,000 | 300,000 | 300,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,656,000 | 79,870,000 | 79,776,000 | 82,744,000 |
| Interest-bearing deposits | 62,524,000 | 60,334,000 | 60,604,000 | 62,174,000 |
| Noninterest-bearing deposits | 19,132,000 | 19,536,000 | 19,172,000 | 20,570,000 |
| Equity capital | 18,196,000 | 18,702,000 | 18,980,000 | 18,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 838,000 | 1,690,000 | 2,578,000 | 3,485,000 |
| Interest expense | 57,000 | 122,000 | 193,000 | 266,000 |
| Net interest income | 781,000 | 1,568,000 | 2,385,000 | 3,219,000 |
| Noninterest income | 74,000 | 156,000 | 263,000 | 358,000 |
| Noninterest expense | 563,000 | 1,144,000 | 1,732,000 | 2,332,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 292,000 | 580,000 | 914,000 | 1,243,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 292,000 | 580,000 | 913,000 | 1,242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,321,000 | 18,488,000 | 18,697,000 | 18,451,000 |
| Total capital | 18,814,000 | 18,982,000 | 19,180,000 | 18,938,000 |
| Risk-weighted assets | 53,186,000 | 54,737,000 | 52,946,000 | 54,549,000 |