Call reports 2020
RICHLAND COUNTY BANK — 2020
What RICHLAND COUNTY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 102,862,000 | 111,660,000 | 110,526,000 | 115,422,000 |
| Total loans | 44,068,000 | 47,029,000 | 48,150,000 | 45,414,000 |
| Allowance for loan losses | 499,000 | 527,000 | 557,000 | 588,000 |
| Securities available for sale | 42,789,000 | 47,907,000 | 48,417,000 | 52,892,000 |
| Securities held to maturity | 250,000 | 250,000 | 250,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,684,000 | 91,295,000 | 89,908,000 | 94,674,000 |
| Interest-bearing deposits | 61,247,000 | 65,027,000 | 64,058,000 | 66,876,000 |
| Noninterest-bearing deposits | 21,437,000 | 26,268,000 | 25,850,000 | 27,798,000 |
| Equity capital | 19,854,000 | 20,213,000 | 20,453,000 | 19,629,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 976,000 | 1,966,000 | 2,830,000 | 3,662,000 |
| Interest expense | 73,000 | 142,000 | 211,000 | 272,000 |
| Net interest income | 903,000 | 1,824,000 | 2,619,000 | 3,390,000 |
| Noninterest income | 86,000 | 158,000 | 250,000 | 338,000 |
| Noninterest expense | 582,000 | 1,169,000 | 1,701,000 | 2,270,000 |
| Provision for loan losses | 15,000 | 45,000 | 75,000 | 105,000 |
| Pretax income | 810,000 | 1,186,000 | 1,511,000 | 1,771,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 3,000 |
| Net income | 809,000 | 1,184,000 | 1,508,000 | 1,768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,080,000 | 19,335,000 | 19,538,000 | 18,827,000 |