Call reports 2010
RICHARDSON COUNTY BANK & TRUST CO. — 2010
What RICHARDSON COUNTY BANK & TRUST CO. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 95,902,000 | 94,426,000 | 95,048,000 | 94,552,000 |
| Total loans | 41,067,000 | 43,547,000 | 45,527,000 | 46,970,000 |
| Allowance for loan losses | 1,172,000 | 1,172,000 | 1,173,000 | 1,066,000 |
| Securities available for sale | 36,184,000 | 35,655,000 | 33,371,000 | 29,146,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,387,000 | 80,708,000 | 80,993,000 | 80,555,000 |
| Interest-bearing deposits | 71,369,000 | 70,970,000 | 70,867,000 | 70,232,000 |
| Noninterest-bearing deposits | 11,018,000 | 9,738,000 | 10,126,000 | 10,323,000 |
| Equity capital | 12,766,000 | 13,052,000 | 13,410,000 | 13,485,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,089,000 | 2,193,000 | 3,295,000 | 4,363,000 |
| Interest expense | 258,000 | 510,000 | 764,000 | 1,006,000 |
| Net interest income | 831,000 | 1,683,000 | 2,531,000 | 3,357,000 |
| Noninterest income | 52,000 | 111,000 | 227,000 | 277,000 |
| Noninterest expense | 463,000 | 895,000 | 1,329,000 | 1,772,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 420,000 | 899,000 | 1,429,000 | 1,862,000 |
| Income tax | 120,000 | 250,000 | 421,000 | 550,000 |
| Net income | 300,000 | 649,000 | 1,008,000 | 1,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,031,000 | 12,380,000 | 12,738,000 | 13,042,000 |
| Total capital | 12,700,000 | 13,065,000 | 13,442,000 | 13,755,000 |
| Risk-weighted assets | 53,021,000 | 54,322,000 | 55,849,000 | 56,726,000 |