Call reports 2001
RICHARDSON COUNTY BANK & TRUST CO. — 2001
What RICHARDSON COUNTY BANK & TRUST CO. reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 67,311,000 | 66,920,000 | 68,424,000 | 71,067,000 |
| Total loans | 32,511,000 | 32,892,000 | 33,816,000 | 34,673,000 |
| Allowance for loan losses | 1,264,000 | 1,294,000 | 1,297,000 | 1,290,000 |
| Securities available for sale | 25,794,000 | 26,391,000 | 25,528,000 | 25,182,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,560,000 | 55,820,000 | 58,276,000 | 61,638,000 |
| Interest-bearing deposits | 52,050,000 | 50,984,000 | 53,044,000 | 54,921,000 |
| Noninterest-bearing deposits | 5,510,000 | 4,836,000 | 5,232,000 | 6,717,000 |
| Equity capital | 8,822,000 | 9,030,000 | 9,208,000 | 8,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,205,000 | 2,370,000 | 3,536,000 | 4,704,000 |
| Interest expense | 602,000 | 1,184,000 | 1,756,000 | 2,274,000 |
| Net interest income | 603,000 | 1,186,000 | 1,780,000 | 2,430,000 |
| Noninterest income | 78,000 | 152,000 | 214,000 | 283,000 |
| Noninterest expense | 368,000 | 719,000 | 1,053,000 | 1,399,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 347,000 | 655,000 | 975,000 | 1,366,000 |
| Income tax | 100,000 | 214,000 | 316,000 | 414,000 |
| Net income | 247,000 | 441,000 | 659,000 | 952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,387,000 | 8,581,000 | 8,599,000 | 8,238,000 |
| Total capital | 8,871,000 | 9,075,000 | 9,105,000 | 8,763,000 |
| Risk-weighted assets | 37,940,000 | 38,734,000 | 39,690,000 | 41,227,000 |