Call reports 2021
RICHLAND COUNTY BANK — 2021
What RICHLAND COUNTY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 113,820,000 | 117,687,000 | 116,648,000 | 118,767,000 |
| Total loans | 44,835,000 | 41,923,000 | 42,621,000 | 42,476,000 |
| Allowance for loan losses | 588,000 | 588,000 | 588,000 | 685,000 |
| Securities available for sale | 53,804,000 | 57,701,000 | 58,684,000 | 60,585,000 |
| Securities held to maturity | 200,000 | 200,000 | 200,000 | 150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,736,000 | 98,118,000 | 97,170,000 | 99,771,000 |
| Interest-bearing deposits | 65,846,000 | 68,303,000 | 68,350,000 | 69,736,000 |
| Noninterest-bearing deposits | 28,890,000 | 29,815,000 | 28,820,000 | 30,035,000 |
| Equity capital | 18,768,000 | 19,459,000 | 19,327,000 | 18,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 931,000 | 1,970,000 | 2,715,000 | 3,440,000 |
| Interest expense | 53,000 | 98,000 | 135,000 | 174,000 |
| Net interest income | 878,000 | 1,872,000 | 2,580,000 | 3,266,000 |
| Noninterest income | 86,000 | 181,000 | 282,000 | 394,000 |
| Noninterest expense | 588,000 | 1,193,000 | 1,777,000 | 2,341,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 459,000 | 943,000 | 1,168,000 | 1,302,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 4,000 |
| Net income | 458,000 | 941,000 | 1,165,000 | 1,298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,105,000 | 19,441,000 | 19,547,000 | 19,171,000 |