Call reports 2013
RICHTON BANK & TRUST COMPANY — 2013
What RICHTON BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 65,003,000 | 63,248,000 | 63,344,000 | 64,340,000 |
| Total loans | 29,634,000 | 29,482,000 | 27,965,000 | 27,966,000 |
| Allowance for loan losses | 440,000 | 440,000 | 432,000 | 475,000 |
| Securities available for sale | 9,929,000 | 10,032,000 | 11,493,000 | 13,280,000 |
| Securities held to maturity | 82,000 | 74,000 | 74,000 | 74,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,014,000 | 53,990,000 | 53,837,000 | 54,767,000 |
| Interest-bearing deposits | 43,958,000 | 42,930,000 | 42,881,000 | 43,598,000 |
| Noninterest-bearing deposits | 12,056,000 | 11,060,000 | 10,956,000 | 11,169,000 |
| Equity capital | 8,776,000 | 8,851,000 | 9,219,000 | 9,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 591,000 | 1,167,000 | 1,724,000 | 2,274,000 |
| Interest expense | 46,000 | 90,000 | 130,000 | 167,000 |
| Net interest income | 545,000 | 1,077,000 | 1,594,000 | 2,107,000 |
| Noninterest income | 165,000 | 328,000 | 511,000 | 680,000 |
| Noninterest expense | 636,000 | 1,213,000 | 1,706,000 | 2,334,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 74,000 | 192,000 | 399,000 | 453,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 74,000 | 192,000 | 399,000 | 453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,107,000 | 9,225,000 | 9,431,000 | 9,486,000 |
| Total capital | 9,547,000 | 9,665,000 | 9,863,000 | 9,961,000 |
| Risk-weighted assets | 44,112,000 | 43,706,000 | 41,984,000 | 41,878,000 |
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