Call reports 2015
RICHTON BANK & TRUST COMPANY — 2015
What RICHTON BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 64,799,000 | 62,818,000 | 60,026,000 | 60,528,000 |
| Total loans | 25,688,000 | 26,076,000 | 26,037,000 | 25,418,000 |
| Allowance for loan losses | 456,000 | 478,000 | 513,000 | 491,000 |
| Securities available for sale | 20,701,000 | 19,427,000 | 18,412,000 | 17,113,000 |
| Securities held to maturity | 73,000 | 72,000 | 70,000 | 70,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,326,000 | 53,171,000 | 50,074,000 | 50,644,000 |
| Interest-bearing deposits | 42,886,000 | 41,447,000 | 38,476,000 | 37,892,000 |
| Noninterest-bearing deposits | 12,440,000 | 11,724,000 | 11,598,000 | 12,752,000 |
| Equity capital | 9,202,000 | 9,336,000 | 9,625,000 | 9,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 530,000 | 1,136,000 | 1,691,000 | 2,204,000 |
| Interest expense | 28,000 | 51,000 | 71,000 | 93,000 |
| Net interest income | 502,000 | 1,085,000 | 1,620,000 | 2,111,000 |
| Noninterest income | 161,000 | 327,000 | 472,000 | 631,000 |
| Noninterest expense | 566,000 | 1,103,000 | 1,573,000 | 2,134,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 97,000 | 309,000 | 519,000 | 608,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 97,000 | 309,000 | 519,000 | 608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,524,000 | 8,751,000 | 8,972,000 | 9,059,000 |
| Total capital | 8,980,000 | 9,229,000 | 9,458,000 | 9,536,000 |
| Risk-weighted assets | 38,364,000 | 37,323,000 | 38,075,000 | 37,408,000 |
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