Call reports 2013
RICHARDSON COUNTY BANK & TRUST CO. — 2013
What RICHARDSON COUNTY BANK & TRUST CO. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 116,127,000 | 119,429,000 | 121,799,000 | 121,558,000 |
| Total loans | 75,678,000 | 79,830,000 | 85,517,000 | 85,810,000 |
| Allowance for loan losses | 524,000 | 607,000 | 734,000 | 870,000 |
| Securities available for sale | 23,485,000 | 25,573,000 | 25,358,000 | 24,762,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,096,000 | 99,096,000 | 101,764,000 | 101,645,000 |
| Interest-bearing deposits | 82,037,000 | 81,203,000 | 82,616,000 | 81,693,000 |
| Noninterest-bearing deposits | 18,059,000 | 17,893,000 | 19,148,000 | 19,952,000 |
| Equity capital | 14,189,000 | 13,951,000 | 13,675,000 | 14,202,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,137,000 | 2,343,000 | 3,638,000 | 4,973,000 |
| Interest expense | 150,000 | 333,000 | 521,000 | 717,000 |
| Net interest income | 987,000 | 2,010,000 | 3,117,000 | 4,256,000 |
| Noninterest income | 71,000 | 147,000 | 221,000 | 297,000 |
| Noninterest expense | 460,000 | 915,000 | 1,376,000 | 1,845,000 |
| Provision for loan losses | 90,000 | 180,000 | 310,000 | 460,000 |
| Pretax income | 508,000 | 1,057,000 | 1,647,000 | 2,244,000 |
| Income tax | 12,000 | 23,000 | 35,000 | 46,000 |
| Net income | 496,000 | 1,034,000 | 1,612,000 | 2,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,029,000 | 8,324,000 | 8,638,000 | 8,998,000 |
| Total capital | 8,553,000 | 8,931,000 | 9,372,000 | 9,868,000 |
| Risk-weighted assets | 80,659,000 | 83,443,000 | 89,039,000 | 89,108,000 |