Call reports 2024
RICHLAND COUNTY BANK — 2024
What RICHLAND COUNTY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 107,772,000 | 106,921,000 | 106,904,000 | 110,522,000 |
| Total loans | 46,270,000 | 44,178,000 | 44,952,000 | 44,417,000 |
| Allowance for loan losses | 680,000 | 682,000 | 683,000 | 683,000 |
| Securities available for sale | 48,858,000 | 48,284,000 | 49,353,000 | 49,587,000 |
| Securities held to maturity | 50,000 | 50,000 | 50,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,676,000 | 92,710,000 | 90,797,000 | 95,132,000 |
| Interest-bearing deposits | 67,795,000 | 66,878,000 | 64,994,000 | 68,365,000 |
| Noninterest-bearing deposits | 25,881,000 | 25,832,000 | 25,803,000 | 26,767,000 |
| Equity capital | 13,637,000 | 13,884,000 | 15,743,000 | 14,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,023,000 | 2,031,000 | 3,053,000 | 4,121,000 |
| Interest expense | 238,000 | 490,000 | 768,000 | 1,036,000 |
| Net interest income | 785,000 | 1,541,000 | 2,285,000 | 3,085,000 |
| Noninterest income | 97,000 | 185,000 | 307,000 | 438,000 |
| Noninterest expense | 645,000 | 1,244,000 | 1,856,000 | 2,485,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 272,000 | 517,000 | 771,000 | 1,073,000 |
| Income tax | 0 | -2,000 | -2,000 | -2,000 |
| Net income | 272,000 | 519,000 | 773,000 | 1,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,007,000 | 20,166,000 | 20,304,000 | 20,402,000 |