Call reports 2025
RICHLAND COUNTY BANK — 2025
What RICHLAND COUNTY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 111,486,000 | 108,735,000 | 107,419,000 | 109,867,000 |
| Total loans | 45,060,000 | 46,346,000 | 47,549,000 | 46,620,000 |
| Allowance for loan losses | 678,000 | 679,000 | 679,000 | 636,000 |
| Securities available for sale | 49,707,000 | 50,434,000 | 50,203,000 | 50,783,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,030,000 | 92,232,000 | 90,214,000 | 91,819,000 |
| Interest-bearing deposits | 69,513,000 | 65,933,000 | 63,983,000 | 66,571,000 |
| Noninterest-bearing deposits | 26,517,000 | 26,299,000 | 26,231,000 | 25,248,000 |
| Equity capital | 14,967,000 | 16,207,000 | 16,868,000 | 17,457,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,091,000 | 2,199,000 | 3,348,000 | 4,478,000 |
| Interest expense | 233,000 | 447,000 | 669,000 | 892,000 |
| Net interest income | 858,000 | 1,752,000 | 2,679,000 | 3,586,000 |
| Noninterest income | 95,000 | 208,000 | 326,000 | 460,000 |
| Noninterest expense | 646,000 | 1,324,000 | 2,013,000 | 2,643,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 329,000 | 658,000 | 1,015,000 | 1,396,000 |
| Income tax | 24,000 | 27,000 | 33,000 | 39,000 |
| Net income | 305,000 | 631,000 | 982,000 | 1,357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,774,000 | 20,316,000 | 20,494,000 | 20,637,000 |