Call reports 2002
RICHARDSON COUNTY BANK & TRUST CO. — 2002
What RICHARDSON COUNTY BANK & TRUST CO. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 69,919,000 | 70,286,000 | 72,455,000 | 72,435,000 |
| Total loans | 32,819,000 | 32,821,000 | 32,875,000 | 31,483,000 |
| Allowance for loan losses | 1,297,000 | 1,300,000 | 1,300,000 | 1,299,000 |
| Securities available for sale | 24,480,000 | 25,438,000 | 26,303,000 | 25,834,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,374,000 | 60,172,000 | 61,870,000 | 62,179,000 |
| Interest-bearing deposits | 54,300,000 | 54,546,000 | 54,970,000 | 56,078,000 |
| Noninterest-bearing deposits | 6,074,000 | 5,626,000 | 6,900,000 | 6,101,000 |
| Equity capital | 8,787,000 | 9,289,000 | 9,661,000 | 9,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,066,000 | 2,103,000 | 3,160,000 | 4,190,000 |
| Interest expense | 443,000 | 857,000 | 1,266,000 | 1,662,000 |
| Net interest income | 623,000 | 1,246,000 | 1,894,000 | 2,528,000 |
| Noninterest income | 55,000 | 126,000 | 186,000 | 249,000 |
| Noninterest expense | 376,000 | 731,000 | 1,112,000 | 1,472,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 302,000 | 657,000 | 984,000 | 1,374,000 |
| Income tax | 95,000 | 205,000 | 309,000 | 440,000 |
| Net income | 207,000 | 452,000 | 675,000 | 934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,449,000 | 8,694,000 | 8,849,000 | 8,677,000 |
| Total capital | 8,951,000 | 9,197,000 | 9,357,000 | 9,169,000 |
| Risk-weighted assets | 39,381,000 | 39,441,000 | 39,811,000 | 38,415,000 |