Call reports 2015
RICHARDSON COUNTY BANK & TRUST CO. — 2015
What RICHARDSON COUNTY BANK & TRUST CO. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Total assets | 132,283,000 | 136,406,000 | 138,228,000 |
| Total loans | 90,146,000 | 97,407,000 | 98,579,000 |
| Allowance for loan losses | 1,244,000 | 1,174,000 | 1,242,000 |
| Securities available for sale | 31,525,000 | 28,716,000 | 28,400,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 108,776,000 | 110,283,000 | 105,567,000 |
| Interest-bearing deposits | 87,106,000 | 87,910,000 | 84,744,000 |
| Noninterest-bearing deposits | 21,670,000 | 22,373,000 | 20,823,000 |
| Equity capital | 15,788,000 | 15,628,000 | 15,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Interest income | 1,294,000 | 2,708,000 | 4,152,000 |
| Interest expense | 183,000 | 373,000 | 574,000 |
| Net interest income | 1,111,000 | 2,335,000 | 3,578,000 |
| Noninterest income | 71,000 | 140,000 | 209,000 |
| Noninterest expense | 541,000 | 1,063,000 | 1,588,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 |
| Pretax income | 587,000 | 1,284,000 | 2,010,000 |
| Income tax | 13,000 | 27,000 | 43,000 |
| Net income | 574,000 | 1,257,000 | 1,967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Tier 1 capital | 9,597,000 | 9,720,000 | 9,820,000 |
| Total capital | 10,754,000 | 10,894,000 | 11,062,000 |
| Risk-weighted assets | 92,534,000 | 98,724,000 | 99,686,000 |