Call reports 2006
RICHARDSON COUNTY BANK & TRUST CO. — 2006
What RICHARDSON COUNTY BANK & TRUST CO. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 73,555,000 | 74,363,000 | 75,396,000 | 76,255,000 |
| Total loans | 33,013,000 | 34,244,000 | 35,290,000 | 36,764,000 |
| Allowance for loan losses | 1,143,000 | 1,166,000 | 1,166,000 | 1,170,000 |
| Securities available for sale | 32,824,000 | 33,200,000 | 34,181,000 | 30,159,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,366,000 | 65,258,000 | 65,265,000 | 66,315,000 |
| Interest-bearing deposits | 55,205,000 | 57,777,000 | 57,964,000 | 58,358,000 |
| Noninterest-bearing deposits | 8,161,000 | 7,481,000 | 7,301,000 | 7,957,000 |
| Equity capital | 8,731,000 | 8,739,000 | 9,226,000 | 9,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 869,000 | 1,832,000 | 2,852,000 | 3,884,000 |
| Interest expense | 362,000 | 763,000 | 1,209,000 | 1,670,000 |
| Net interest income | 507,000 | 1,069,000 | 1,643,000 | 2,214,000 |
| Noninterest income | 115,000 | 181,000 | 240,000 | 300,000 |
| Noninterest expense | 408,000 | 775,000 | 1,115,000 | 1,451,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 204,000 | 465,000 | 718,000 | 1,013,000 |
| Income tax | 51,000 | 115,000 | 171,000 | 250,000 |
| Net income | 153,000 | 350,000 | 547,000 | 763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,014,000 | 9,190,000 | 9,415,000 | 9,623,000 |
| Total capital | 9,529,000 | 9,727,000 | 9,969,000 | 10,188,000 |
| Risk-weighted assets | 40,548,000 | 42,312,000 | 43,734,000 | 44,624,000 |