Call reports 2012
RICHTON BANK & TRUST COMPANY — 2012
What RICHTON BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 64,665,000 | 63,518,000 | 62,855,000 | 63,390,000 |
| Total loans | 29,177,000 | 27,657,000 | 27,291,000 | 29,145,000 |
| Allowance for loan losses | 455,000 | 489,000 | 474,000 | 422,000 |
| Securities available for sale | 12,331,000 | 13,311,000 | 9,284,000 | 9,704,000 |
| Securities held to maturity | 89,000 | 85,000 | 85,000 | 82,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,826,000 | 54,632,000 | 53,794,000 | 54,121,000 |
| Interest-bearing deposits | 45,244,000 | 44,041,000 | 42,835,000 | 42,433,000 |
| Noninterest-bearing deposits | 10,582,000 | 10,591,000 | 10,959,000 | 11,688,000 |
| Equity capital | 8,242,000 | 8,336,000 | 8,491,000 | 8,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 646,000 | 1,272,000 | 1,876,000 | 2,461,000 |
| Interest expense | 71,000 | 134,000 | 195,000 | 249,000 |
| Net interest income | 575,000 | 1,138,000 | 1,681,000 | 2,212,000 |
| Noninterest income | 186,000 | 352,000 | 536,000 | 704,000 |
| Noninterest expense | 726,000 | 1,360,000 | 1,942,000 | 2,509,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 35,000 | 130,000 | 275,000 | 407,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 35,000 | 130,000 | 275,000 | 407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,861,000 | 8,956,000 | 9,100,000 | 9,033,000 |
| Total capital | 9,316,000 | 9,445,000 | 9,574,000 | 9,455,000 |
| Risk-weighted assets | 47,295,000 | 45,492,000 | 45,183,000 | 44,182,000 |
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