Call reports 2011
RICHTON BANK & TRUST COMPANY — 2011
What RICHTON BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 82,866,000 | 80,980,000 | 77,058,000 | 75,473,000 |
| Total loans | 32,495,000 | 31,207,000 | 28,971,000 | 29,010,000 |
| Allowance for loan losses | 399,000 | 367,000 | 411,000 | 418,000 |
| Securities available for sale | 27,971,000 | 23,923,000 | 21,573,000 | 17,936,000 |
| Securities held to maturity | 196,000 | 195,000 | 140,000 | 89,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,542,000 | 71,814,000 | 68,462,000 | 66,769,000 |
| Interest-bearing deposits | 62,759,000 | 60,673,000 | 57,695,000 | 55,586,000 |
| Noninterest-bearing deposits | 11,783,000 | 11,141,000 | 10,767,000 | 11,183,000 |
| Equity capital | 7,791,000 | 8,630,000 | 8,046,000 | 8,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 799,000 | 1,572,000 | 2,290,000 | 2,974,000 |
| Interest expense | 164,000 | 315,000 | 446,000 | 557,000 |
| Net interest income | 635,000 | 1,257,000 | 1,844,000 | 2,417,000 |
| Noninterest income | 234,000 | 440,000 | 630,000 | 819,000 |
| Noninterest expense | 783,000 | 1,485,000 | 2,250,000 | 2,905,000 |
| Provision for loan losses | -272,000 | -313,000 | -296,000 | -296,000 |
| Pretax income | 86,000 | 212,000 | 175,000 | 282,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 86,000 | 212,000 | 175,000 | 282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,630,000 | 8,756,000 | 8,719,000 | 8,825,000 |
| Total capital | 9,029,000 | 9,123,000 | 9,130,000 | 9,243,000 |
| Risk-weighted assets | 47,459,000 | 42,219,000 | 50,201,000 | 49,672,000 |
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