Call reports 2022
RICHLAND COUNTY BANK — 2022
What RICHLAND COUNTY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 118,643,000 | 114,903,000 | 113,447,000 | 111,313,000 |
| Total loans | 42,059,000 | 44,498,000 | 46,331,000 | 46,774,000 |
| Allowance for loan losses | 685,000 | 680,000 | 682,000 | 652,000 |
| Securities available for sale | 57,948,000 | 56,666,000 | 53,935,000 | 52,212,000 |
| Securities held to maturity | 150,000 | 150,000 | 150,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,365,000 | 101,594,000 | 101,957,000 | 99,282,000 |
| Interest-bearing deposits | 72,909,000 | 71,225,000 | 69,635,000 | 67,576,000 |
| Noninterest-bearing deposits | 30,456,000 | 30,369,000 | 32,322,000 | 31,706,000 |
| Equity capital | 14,989,000 | 13,159,000 | 11,335,000 | 11,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 710,000 | 1,456,000 | 2,252,000 | 3,083,000 |
| Interest expense | 34,000 | 70,000 | 102,000 | 140,000 |
| Net interest income | 676,000 | 1,386,000 | 2,150,000 | 2,943,000 |
| Noninterest income | 107,000 | 191,000 | 290,000 | 391,000 |
| Noninterest expense | 567,000 | 1,133,000 | 1,707,000 | 2,314,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 264,000 | 501,000 | 790,000 | 1,069,000 |
| Income tax | 0 | 0 | 2,000 | 2,000 |
| Net income | 264,000 | 501,000 | 788,000 | 1,067,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,285,000 | 19,434,000 | 19,618,000 | 19,648,000 |