Call reports 2023
RICHLAND COUNTY BANK — 2023
What RICHLAND COUNTY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 112,167,000 | 107,688,000 | 105,178,000 | 110,859,000 |
| Total loans | 47,248,000 | 47,833,000 | 46,254,000 | 45,376,000 |
| Allowance for loan losses | 653,000 | 672,000 | 677,000 | 678,000 |
| Securities available for sale | 52,836,000 | 46,877,000 | 45,569,000 | 49,696,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,360,000 | 95,095,000 | 93,532,000 | 96,701,000 |
| Interest-bearing deposits | 70,140,000 | 67,908,000 | 66,896,000 | 69,284,000 |
| Noninterest-bearing deposits | 29,220,000 | 27,187,000 | 26,636,000 | 27,417,000 |
| Equity capital | 12,455,000 | 12,347,000 | 11,353,000 | 13,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 865,000 | 1,766,000 | 2,692,000 | 3,679,000 |
| Interest expense | 119,000 | 309,000 | 502,000 | 727,000 |
| Net interest income | 746,000 | 1,457,000 | 2,190,000 | 2,952,000 |
| Noninterest income | 83,000 | 182,000 | 290,000 | 407,000 |
| Noninterest expense | 617,000 | 1,252,000 | 1,877,000 | 2,508,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 253,000 | 181,000 | 397,000 | 645,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 253,000 | 181,000 | 396,000 | 644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,755,000 | 19,595,000 | 19,751,000 | 19,881,000 |