Call reports 2005
RICHARDSON COUNTY BANK & TRUST CO. — 2005
What RICHARDSON COUNTY BANK & TRUST CO. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 73,915,000 | 75,237,000 | 76,614,000 | 72,498,000 |
| Total loans | 32,440,000 | 33,133,000 | 34,073,000 | 32,563,000 |
| Allowance for loan losses | 1,142,000 | 1,153,000 | 1,156,000 | 1,157,000 |
| Securities available for sale | 27,015,000 | 30,018,000 | 30,822,000 | 31,914,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,503,000 | 65,686,000 | 67,116,000 | 63,122,000 |
| Interest-bearing deposits | 57,387,000 | 58,179,000 | 59,265,000 | 55,730,000 |
| Noninterest-bearing deposits | 7,116,000 | 7,507,000 | 7,851,000 | 7,392,000 |
| Equity capital | 8,909,000 | 9,122,000 | 9,044,000 | 9,096,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 826,000 | 1,688,000 | 2,597,000 | 3,515,000 |
| Interest expense | 270,000 | 585,000 | 918,000 | 1,273,000 |
| Net interest income | 556,000 | 1,103,000 | 1,679,000 | 2,242,000 |
| Noninterest income | 60,000 | 133,000 | 199,000 | 270,000 |
| Noninterest expense | 403,000 | 771,000 | 1,132,000 | 1,524,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 213,000 | 465,000 | 732,000 | 974,000 |
| Income tax | 66,000 | 143,000 | 220,000 | 305,000 |
| Net income | 147,000 | 322,000 | 512,000 | 669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,040,000 | 9,215,000 | 9,206,000 | 9,355,000 |
| Total capital | 9,536,000 | 9,720,000 | 9,735,000 | 9,864,000 |
| Risk-weighted assets | 39,060,000 | 39,754,000 | 41,713,000 | 40,062,000 |