Call reports 2009
RICHTON BANK & TRUST COMPANY — 2009
What RICHTON BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 82,546,000 | 80,306,000 | 76,965,000 | 75,849,000 |
| Total loans | 36,362,000 | 36,626,000 | 36,384,000 | 35,997,000 |
| Allowance for loan losses | 1,272,000 | 1,441,000 | 1,414,000 | 1,373,000 |
| Securities available for sale | 30,824,000 | 28,386,000 | 25,682,000 | 23,726,000 |
| Securities held to maturity | 682,000 | 557,000 | 407,000 | 356,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,787,000 | 74,573,000 | 71,041,000 | 70,144,000 |
| Interest-bearing deposits | 65,210,000 | 63,726,000 | 61,421,000 | 59,943,000 |
| Noninterest-bearing deposits | 11,577,000 | 10,847,000 | 9,620,000 | 10,201,000 |
| Equity capital | 5,283,000 | 5,204,000 | 5,374,000 | 5,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,185,000 | 2,296,000 | 3,378,000 | 4,367,000 |
| Interest expense | 364,000 | 734,000 | 1,079,000 | 1,379,000 |
| Net interest income | 821,000 | 1,562,000 | 2,299,000 | 2,988,000 |
| Noninterest income | 259,000 | 527,000 | 785,000 | 1,018,000 |
| Noninterest expense | 942,000 | 1,762,000 | 2,613,000 | 3,519,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 138,000 | 286,000 | 402,000 | 392,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 138,000 | 286,000 | 402,000 | 392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,095,000 | 8,094,000 | 8,140,000 | 8,131,000 |
| Total capital | 8,725,000 | 8,670,000 | 8,705,000 | 8,693,000 |
| Risk-weighted assets | 67,422,000 | 57,959,000 | 56,797,000 | 44,647,000 |
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