Call reports 2014
RICHTON BANK & TRUST COMPANY — 2014
What RICHTON BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 65,289,000 | 63,471,000 | 63,642,000 | 63,948,000 |
| Total loans | 25,988,000 | 26,809,000 | 26,965,000 | 26,101,000 |
| Allowance for loan losses | 457,000 | 457,000 | 455,000 | 458,000 |
| Securities available for sale | 14,304,000 | 16,216,000 | 19,008,000 | 19,383,000 |
| Securities held to maturity | 74,000 | 73,000 | 73,000 | 73,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,023,000 | 54,019,000 | 54,021,000 | 54,253,000 |
| Interest-bearing deposits | 44,403,000 | 43,188,000 | 42,646,000 | 41,743,000 |
| Noninterest-bearing deposits | 11,620,000 | 10,831,000 | 11,375,000 | 12,510,000 |
| Equity capital | 9,076,000 | 9,215,000 | 9,347,000 | 9,384,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 554,000 | 1,093,000 | 1,647,000 | 2,167,000 |
| Interest expense | 33,000 | 66,000 | 98,000 | 128,000 |
| Net interest income | 521,000 | 1,027,000 | 1,549,000 | 2,039,000 |
| Noninterest income | 174,000 | 337,000 | 508,000 | 677,000 |
| Noninterest expense | 585,000 | 1,100,000 | 1,647,000 | 2,241,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 110,000 | 264,000 | 410,000 | 475,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 110,000 | 264,000 | 410,000 | 475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,196,000 | 9,351,000 | 9,496,000 | 9,561,000 |
| Total capital | 9,653,000 | 9,809,000 | 9,951,000 | 10,019,000 |
| Risk-weighted assets | 40,854,000 | 41,106,000 | 41,840,000 | 41,618,000 |
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