Call reports 2007
RICHTON BANK & TRUST COMPANY — 2007
What RICHTON BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 90,682,000 | 86,807,000 | 86,036,000 | 84,403,000 |
| Total loans | 47,354,000 | 43,866,000 | 41,413,000 | 40,345,000 |
| Allowance for loan losses | 1,456,000 | 1,375,000 | 1,223,000 | 1,211,000 |
| Securities available for sale | 27,561,000 | 25,355,000 | 29,394,000 | 26,630,000 |
| Securities held to maturity | 1,507,000 | 1,428,000 | 1,372,000 | 1,180,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,432,000 | 78,591,000 | 77,260,000 | 75,274,000 |
| Interest-bearing deposits | 68,187,000 | 65,540,000 | 64,344,000 | 63,072,000 |
| Noninterest-bearing deposits | 14,245,000 | 13,051,000 | 12,916,000 | 12,202,000 |
| Equity capital | 7,755,000 | 7,705,000 | 8,256,000 | 8,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,525,000 | 3,122,000 | 4,611,000 | 6,053,000 |
| Interest expense | 540,000 | 1,111,000 | 1,680,000 | 2,256,000 |
| Net interest income | 985,000 | 2,011,000 | 2,931,000 | 3,797,000 |
| Noninterest income | 211,000 | 440,000 | 662,000 | 914,000 |
| Noninterest expense | 978,000 | 2,076,000 | 3,081,000 | 4,103,000 |
| Provision for loan losses | 3,000 | 4,000 | 10,000 | 7,000 |
| Pretax income | 215,000 | 371,000 | 502,000 | 601,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 215,000 | 371,000 | 502,000 | 601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,318,000 | 7,474,000 | 7,604,000 | 7,599,000 |
| Total capital | 8,059,000 | 8,174,000 | 8,282,000 | 8,258,000 |
| Risk-weighted assets | 58,538,000 | 55,345,000 | 53,686,000 | 52,207,000 |
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