Call reports 2004
RICHARDSON COUNTY BANK & TRUST CO. — 2004
What RICHARDSON COUNTY BANK & TRUST CO. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 75,121,000 | 75,963,000 | 74,827,000 | 72,376,000 |
| Total loans | 29,163,000 | 31,214,000 | 33,238,000 | 33,635,000 |
| Allowance for loan losses | 1,297,000 | 1,297,000 | 1,303,000 | 1,142,000 |
| Securities available for sale | 31,559,000 | 35,661,000 | 28,889,000 | 28,338,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,225,000 | 64,517,000 | 64,790,000 | 62,958,000 |
| Interest-bearing deposits | 58,403,000 | 58,434,000 | 58,816,000 | 55,623,000 |
| Noninterest-bearing deposits | 5,822,000 | 6,083,000 | 5,974,000 | 7,335,000 |
| Equity capital | 10,089,000 | 9,137,000 | 9,474,000 | 8,933,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 877,000 | 1,771,000 | 2,668,000 | 3,524,000 |
| Interest expense | 299,000 | 589,000 | 878,000 | 1,157,000 |
| Net interest income | 578,000 | 1,182,000 | 1,790,000 | 2,367,000 |
| Noninterest income | 66,000 | 139,000 | 198,000 | 259,000 |
| Noninterest expense | 402,000 | 782,000 | 1,154,000 | 1,524,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 242,000 | 539,000 | 825,000 | 1,093,000 |
| Income tax | 73,000 | 166,000 | 250,000 | 331,000 |
| Net income | 169,000 | 373,000 | 575,000 | 762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,603,000 | 9,102,000 | 9,305,000 | 8,899,000 |
| Total capital | 10,072,000 | 9,593,000 | 9,817,000 | 9,406,000 |
| Risk-weighted assets | 36,689,000 | 38,483,000 | 40,149,000 | 39,946,000 |