Call reports 2007
RICHARDSON COUNTY BANK & TRUST CO. — 2007
What RICHARDSON COUNTY BANK & TRUST CO. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 78,457,000 | 77,100,000 | 77,716,000 | 83,616,000 |
| Total loans | 36,728,000 | 39,383,000 | 40,300,000 | 39,673,000 |
| Allowance for loan losses | 1,182,000 | 1,182,000 | 1,254,000 | 1,257,000 |
| Securities available for sale | 31,142,000 | 30,594,000 | 29,143,000 | 30,240,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,101,000 | 66,889,000 | 66,648,000 | 71,944,000 |
| Interest-bearing deposits | 59,336,000 | 59,449,000 | 59,453,000 | 63,343,000 |
| Noninterest-bearing deposits | 8,765,000 | 7,440,000 | 7,195,000 | 8,601,000 |
| Equity capital | 9,853,000 | 9,767,000 | 10,411,000 | 10,864,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,073,000 | 2,210,000 | 3,393,000 | 4,564,000 |
| Interest expense | 474,000 | 979,000 | 1,513,000 | 2,053,000 |
| Net interest income | 599,000 | 1,231,000 | 1,880,000 | 2,511,000 |
| Noninterest income | 66,000 | 134,000 | 197,000 | 260,000 |
| Noninterest expense | 387,000 | 752,000 | 1,132,000 | 1,467,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 247,000 | 582,000 | 900,000 | 1,259,000 |
| Income tax | 58,000 | 146,000 | 228,000 | 350,000 |
| Net income | 189,000 | 436,000 | 672,000 | 909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,825,000 | 10,073,000 | 10,308,000 | 10,545,000 |
| Total capital | 10,392,000 | 10,668,000 | 10,914,000 | 11,161,000 |
| Risk-weighted assets | 44,753,000 | 47,013,000 | 47,793,000 | 48,613,000 |