Call reports 2008
RICHARDSON COUNTY BANK & TRUST CO. — 2008
What RICHARDSON COUNTY BANK & TRUST CO. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 84,329,000 | 86,869,000 | 90,391,000 | 95,855,000 |
| Total loans | 36,859,000 | 38,204,000 | 40,547,000 | 42,254,000 |
| Allowance for loan losses | 1,285,000 | 1,278,000 | 1,115,000 | 1,155,000 |
| Securities available for sale | 31,863,000 | 33,816,000 | 37,473,000 | 41,326,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,008,000 | 76,141,000 | 79,181,000 | 83,126,000 |
| Interest-bearing deposits | 63,579,000 | 68,010,000 | 70,999,000 | 74,809,000 |
| Noninterest-bearing deposits | 9,429,000 | 8,131,000 | 8,183,000 | 8,317,000 |
| Equity capital | 10,353,000 | 10,076,000 | 10,449,000 | 11,245,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,148,000 | 2,287,000 | 3,484,000 | 4,692,000 |
| Interest expense | 513,000 | 992,000 | 1,455,000 | 1,897,000 |
| Net interest income | 635,000 | 1,295,000 | 2,029,000 | 2,795,000 |
| Noninterest income | 57,000 | 125,000 | 189,000 | 254,000 |
| Noninterest expense | 384,000 | 759,000 | 1,154,000 | 1,547,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 308,000 | 661,000 | 1,064,000 | 1,502,000 |
| Income tax | 67,000 | 163,000 | 268,000 | 409,000 |
| Net income | 241,000 | 498,000 | 796,000 | 1,093,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,586,000 | 9,843,000 | 10,141,000 | 10,438,000 |
| Total capital | 10,170,000 | 10,445,000 | 10,767,000 | 11,095,000 |
| Risk-weighted assets | 46,000,000 | 47,452,000 | 49,595,000 | 52,055,000 |