Call reports 2009
RICHARDSON COUNTY BANK & TRUST CO. — 2009
What RICHARDSON COUNTY BANK & TRUST CO. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 94,105,000 | 96,245,000 | 98,292,000 | 97,652,000 |
| Total loans | 39,868,000 | 41,026,000 | 46,797,000 | 43,116,000 |
| Allowance for loan losses | 1,155,000 | 1,147,000 | 1,147,000 | 1,239,000 |
| Securities available for sale | 44,121,000 | 42,998,000 | 39,246,000 | 38,135,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,613,000 | 83,612,000 | 84,631,000 | 81,370,000 |
| Interest-bearing deposits | 71,024,000 | 73,008,000 | 73,808,000 | 69,047,000 |
| Noninterest-bearing deposits | 10,589,000 | 10,604,000 | 10,823,000 | 12,323,000 |
| Equity capital | 11,508,000 | 11,729,000 | 12,297,000 | 12,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,156,000 | 2,305,000 | 3,478,000 | 4,634,000 |
| Interest expense | 384,000 | 740,000 | 1,067,000 | 1,363,000 |
| Net interest income | 772,000 | 1,565,000 | 2,411,000 | 3,271,000 |
| Noninterest income | 56,000 | 111,000 | 161,000 | 266,000 |
| Noninterest expense | 424,000 | 866,000 | 1,267,000 | 1,712,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 404,000 | 810,000 | 1,305,000 | 1,825,000 |
| Income tax | 125,000 | 235,000 | 375,000 | 532,000 |
| Net income | 279,000 | 575,000 | 930,000 | 1,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,717,000 | 11,013,000 | 11,367,000 | 11,731,000 |
| Total capital | 11,349,000 | 11,672,000 | 12,087,000 | 12,423,000 |
| Risk-weighted assets | 50,029,000 | 52,205,000 | 57,203,000 | 54,829,000 |