Call reports 2011
RICHARDSON COUNTY BANK & TRUST CO. — 2011
What RICHARDSON COUNTY BANK & TRUST CO. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 102,091,000 | 99,153,000 | 100,265,000 | 99,472,000 |
| Total loans | 43,419,000 | 45,857,000 | 49,562,000 | 56,690,000 |
| Allowance for loan losses | 969,000 | 79,000 | 68,000 | 177,000 |
| Securities available for sale | 26,146,000 | 13,572,000 | 26,581,000 | 24,608,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,945,000 | 85,719,000 | 86,885,000 | 84,971,000 |
| Interest-bearing deposits | 74,906,000 | 73,811,000 | 71,216,000 | 71,361,000 |
| Noninterest-bearing deposits | 13,039,000 | 11,908,000 | 15,669,000 | 13,610,000 |
| Equity capital | 6,761,000 | 12,831,000 | 13,199,000 | 13,097,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 993,000 | 950,000 | 1,876,000 | 2,863,000 |
| Interest expense | 222,000 | 112,000 | 239,000 | 367,000 |
| Net interest income | 771,000 | 838,000 | 1,637,000 | 2,496,000 |
| Noninterest income | 69,000 | 70,000 | 142,000 | 240,000 |
| Noninterest expense | 460,000 | 418,000 | 831,000 | 1,254,000 |
| Provision for loan losses | 105,000 | 85,000 | 85,000 | 206,000 |
| Pretax income | 275,000 | 320,000 | 778,000 | 1,191,000 |
| Income tax | 76,000 | 103,000 | 228,000 | 243,000 |
| Net income | 199,000 | 217,000 | 550,000 | 948,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,344,000 | 7,202,000 | 7,540,000 | 7,448,000 |
| Total capital | 7,031,000 | 7,281,000 | 7,608,000 | 7,625,000 |
| Risk-weighted assets | 54,678,000 | 55,092,000 | 59,190,000 | 62,737,000 |