Call reports 2012
RICHARDSON COUNTY BANK & TRUST CO. — 2012
What RICHARDSON COUNTY BANK & TRUST CO. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 107,611,000 | 107,892,000 | 113,415,000 | 117,374,000 |
| Total loans | 58,082,000 | 62,996,000 | 70,909,000 | 76,154,000 |
| Allowance for loan losses | 243,000 | 325,000 | 399,000 | 462,000 |
| Securities available for sale | 30,381,000 | 32,047,000 | 29,005,000 | 25,692,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,116,000 | 92,633,000 | 93,951,000 | 92,625,000 |
| Interest-bearing deposits | 76,597,000 | 77,062,000 | 77,872,000 | 75,201,000 |
| Noninterest-bearing deposits | 17,519,000 | 15,571,000 | 16,079,000 | 17,424,000 |
| Equity capital | 13,337,000 | 13,535,000 | 13,594,000 | 14,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 963,000 | 1,963,000 | 3,040,000 | 4,177,000 |
| Interest expense | 145,000 | 300,000 | 463,000 | 621,000 |
| Net interest income | 818,000 | 1,663,000 | 2,577,000 | 3,556,000 |
| Noninterest income | 97,000 | 172,000 | 246,000 | 304,000 |
| Noninterest expense | 459,000 | 876,000 | 1,302,000 | 1,751,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 366,000 | 779,000 | 1,255,000 | 1,753,000 |
| Income tax | 11,000 | 24,000 | 150,000 | 167,000 |
| Net income | 355,000 | 755,000 | 1,105,000 | 1,586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,411,000 | 7,495,000 | 7,490,000 | 7,912,000 |
| Total capital | 7,654,000 | 7,820,000 | 7,889,000 | 8,374,000 |
| Risk-weighted assets | 64,924,000 | 67,994,000 | 71,915,000 | 79,250,000 |