Call reports 2008
RICHTON BANK & TRUST COMPANY — 2008
What RICHTON BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 88,912,000 | 87,543,000 | 81,231,000 | 79,528,000 |
| Total loans | 38,399,000 | 38,926,000 | 37,943,000 | 37,060,000 |
| Allowance for loan losses | 1,258,000 | 1,228,000 | 1,202,000 | 1,191,000 |
| Securities available for sale | 35,859,000 | 34,265,000 | 31,568,000 | 31,119,000 |
| Securities held to maturity | 1,081,000 | 1,080,000 | 908,000 | 807,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,335,000 | 80,016,000 | 74,890,000 | 73,884,000 |
| Interest-bearing deposits | 67,555,000 | 66,485,000 | 63,417,000 | 62,421,000 |
| Noninterest-bearing deposits | 12,780,000 | 13,531,000 | 11,473,000 | 11,463,000 |
| Equity capital | 8,041,000 | 7,007,000 | 5,879,000 | 5,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,413,000 | 2,761,000 | 4,075,000 | 5,322,000 |
| Interest expense | 530,000 | 1,027,000 | 1,459,000 | 1,839,000 |
| Net interest income | 883,000 | 1,734,000 | 2,616,000 | 3,483,000 |
| Noninterest income | 246,000 | 523,000 | 750,000 | 1,016,000 |
| Noninterest expense | 929,000 | 1,821,000 | 2,705,000 | 3,753,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 200,000 | 436,000 | 661,000 | 746,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 200,000 | 436,000 | 661,000 | 746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,799,000 | 7,975,000 | 8,089,000 | 8,082,000 |
| Total capital | 8,467,000 | 8,643,000 | 8,729,000 | 8,706,000 |
| Risk-weighted assets | 52,850,000 | 52,895,000 | 50,605,000 | 49,342,000 |
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