Call reports 2003
RICHARDSON COUNTY BANK & TRUST CO. — 2003
What RICHARDSON COUNTY BANK & TRUST CO. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 72,220,000 | 73,178,000 | 74,591,000 | 77,770,000 |
| Total loans | 30,541,000 | 31,538,000 | 31,014,000 | 30,601,000 |
| Allowance for loan losses | 1,299,000 | 1,296,000 | 1,300,000 | 1,298,000 |
| Securities available for sale | 27,838,000 | 29,970,000 | 31,720,000 | 31,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,804,000 | 61,921,000 | 64,172,000 | 67,262,000 |
| Interest-bearing deposits | 56,145,000 | 56,297,000 | 58,201,000 | 61,013,000 |
| Noninterest-bearing deposits | 5,659,000 | 5,624,000 | 5,971,000 | 6,249,000 |
| Equity capital | 9,516,000 | 9,786,000 | 9,678,000 | 9,865,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 966,000 | 1,904,000 | 2,861,000 | 3,789,000 |
| Interest expense | 371,000 | 707,000 | 1,023,000 | 1,333,000 |
| Net interest income | 595,000 | 1,197,000 | 1,838,000 | 2,456,000 |
| Noninterest income | 60,000 | 121,000 | 187,000 | 293,000 |
| Noninterest expense | 376,000 | 751,000 | 1,092,000 | 1,502,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 279,000 | 567,000 | 933,000 | 1,247,000 |
| Income tax | 89,000 | 179,000 | 297,000 | 381,000 |
| Net income | 190,000 | 388,000 | 636,000 | 866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,843,000 | 9,051,000 | 9,199,000 | 9,442,000 |
| Total capital | 9,317,000 | 9,531,000 | 9,687,000 | 9,937,000 |
| Risk-weighted assets | 37,115,000 | 37,571,000 | 38,266,000 | 38,512,000 |