Call reports 2010
RICHTON BANK & TRUST COMPANY — 2010
What RICHTON BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 81,534,000 | 83,250,000 | 82,271,000 | 80,424,000 |
| Total loans | 35,260,000 | 36,346,000 | 35,945,000 | 34,275,000 |
| Allowance for loan losses | 1,026,000 | 973,000 | 853,000 | 685,000 |
| Securities available for sale | 26,172,000 | 28,010,000 | 26,104,000 | 26,778,000 |
| Securities held to maturity | 356,000 | 356,000 | 196,000 | 196,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,363,000 | 74,911,000 | 74,055,000 | 72,269,000 |
| Interest-bearing deposits | 62,317,000 | 64,712,000 | 63,760,000 | 60,210,000 |
| Noninterest-bearing deposits | 11,046,000 | 10,199,000 | 10,295,000 | 12,059,000 |
| Equity capital | 7,762,000 | 7,730,000 | 7,579,000 | 7,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 950,000 | 1,886,000 | 2,809,000 | 3,676,000 |
| Interest expense | 208,000 | 398,000 | 591,000 | 768,000 |
| Net interest income | 742,000 | 1,488,000 | 2,218,000 | 2,908,000 |
| Noninterest income | 232,000 | 471,000 | 690,000 | 836,000 |
| Noninterest expense | 822,000 | 1,623,000 | 2,381,000 | 3,151,000 |
| Provision for loan losses | -79,000 | -144,000 | -277,000 | -336,000 |
| Pretax income | 152,000 | 336,000 | 527,000 | 593,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 152,000 | 336,000 | 527,000 | 593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,283,000 | 8,346,000 | 8,477,000 | 8,543,000 |
| Total capital | 8,842,000 | 8,494,000 | 9,096,000 | 9,114,000 |
| Risk-weighted assets | 44,559,000 | 48,034,000 | 49,256,000 | 50,165,000 |
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