Call reports 2014
RICHARDSON COUNTY BANK & TRUST CO. — 2014
What RICHARDSON COUNTY BANK & TRUST CO. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 128,602,000 | 129,297,000 | 133,295,000 | 138,196,000 |
| Total loans | 82,010,000 | 85,327,000 | 89,055,000 | 92,569,000 |
| Allowance for loan losses | 1,006,000 | 1,107,000 | 1,197,000 | 1,219,000 |
| Securities available for sale | 29,329,000 | 35,019,000 | 34,871,000 | 34,124,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,036,000 | 106,870,000 | 104,776,000 | 103,007,000 |
| Interest-bearing deposits | 87,695,000 | 86,189,000 | 84,968,000 | 82,646,000 |
| Noninterest-bearing deposits | 23,341,000 | 20,681,000 | 19,808,000 | 20,361,000 |
| Equity capital | 14,840,000 | 15,164,000 | 15,268,000 | 15,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,289,000 | 2,642,000 | 4,001,000 | 5,377,000 |
| Interest expense | 188,000 | 380,000 | 573,000 | 785,000 |
| Net interest income | 1,101,000 | 2,262,000 | 3,428,000 | 4,592,000 |
| Noninterest income | 64,000 | 129,000 | 193,000 | 251,000 |
| Noninterest expense | 540,000 | 1,039,000 | 1,531,000 | 2,030,000 |
| Provision for loan losses | 150,000 | 300,000 | 425,000 | 500,000 |
| Pretax income | 401,000 | 978,000 | 1,634,000 | 2,285,000 |
| Income tax | 12,000 | 23,000 | 34,000 | 47,000 |
| Net income | 389,000 | 955,000 | 1,600,000 | 2,238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,142,000 | 9,363,000 | 9,448,000 | 9,575,000 |
| Total capital | 10,148,000 | 10,420,000 | 10,545,000 | 10,727,000 |
| Risk-weighted assets | 87,021,000 | 84,484,000 | 87,683,000 | 92,114,000 |