Call reports 2006
RICHTON BANK & TRUST COMPANY — 2006
What RICHTON BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 89,471,000 | 87,702,000 | 86,034,000 | 84,874,000 |
| Total loans | 48,315,000 | 48,495,000 | 49,502,000 | 49,671,000 |
| Allowance for loan losses | 1,076,000 | 2,158,000 | 1,956,000 | 1,470,000 |
| Securities available for sale | 27,106,000 | 26,125,000 | 24,280,000 | 22,725,000 |
| Securities held to maturity | 1,898,000 | 1,814,000 | 1,776,000 | 1,525,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,408,000 | 81,139,000 | 78,354,000 | 76,945,000 |
| Interest-bearing deposits | 65,511,000 | 66,461,000 | 64,028,000 | 62,976,000 |
| Noninterest-bearing deposits | 15,897,000 | 14,678,000 | 14,326,000 | 13,969,000 |
| Equity capital | 7,643,000 | 6,033,000 | 7,107,000 | 7,527,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,457,000 | 2,921,000 | 4,428,000 | 5,988,000 |
| Interest expense | 420,000 | 878,000 | 1,366,000 | 1,881,000 |
| Net interest income | 1,037,000 | 2,043,000 | 3,062,000 | 4,107,000 |
| Noninterest income | 186,000 | 409,000 | 636,000 | 1,157,000 |
| Noninterest expense | 912,000 | 1,916,000 | 2,837,000 | 3,942,000 |
| Provision for loan losses | 4,000 | 1,309,000 | 1,312,000 | 1,313,000 |
| Pretax income | 307,000 | -773,000 | -451,000 | 9,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 307,000 | -773,000 | -451,000 | 9,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,595,000 | 6,321,000 | 6,643,000 | 7,103,000 |
| Total capital | 8,316,000 | 7,062,000 | 7,294,000 | 7,846,000 |
| Risk-weighted assets | 57,334,000 | 57,836,000 | 58,357,000 | 58,688,000 |
Machine access — free, no API key
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