Call reports 2016
RICHTON BANK & TRUST COMPANY — 2016
What RICHTON BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 60,169,000 | 59,156,000 | 61,393,000 | 60,705,000 |
| Total loans | 24,211,000 | 24,076,000 | 24,299,000 | 24,982,000 |
| Allowance for loan losses | 491,000 | 446,000 | 446,000 | 446,000 |
| Securities available for sale | 16,490,000 | 19,074,000 | 19,843,000 | 19,743,000 |
| Securities held to maturity | 70,000 | 69,000 | 69,000 | 69,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,682,000 | 49,507,000 | 51,772,000 | 51,099,000 |
| Interest-bearing deposits | 38,264,000 | 36,959,000 | 38,155,000 | 38,109,000 |
| Noninterest-bearing deposits | 12,418,000 | 12,548,000 | 13,617,000 | 12,990,000 |
| Equity capital | 9,189,000 | 9,295,000 | 9,243,000 | 8,346,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 491,000 | 968,000 | 1,479,000 | 2,052,000 |
| Interest expense | 19,000 | 35,000 | 55,000 | 73,000 |
| Net interest income | 472,000 | 933,000 | 1,424,000 | 1,979,000 |
| Noninterest income | 142,000 | 278,000 | 401,000 | 493,000 |
| Noninterest expense | 571,000 | 1,072,000 | 1,620,000 | 2,137,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 43,000 | 139,000 | 205,000 | 335,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 43,000 | 139,000 | 205,000 | 335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,209,000 | 8,739,000 | 8,803,000 | 8,072,000 |
| Total capital | 8,671,000 | 9,185,000 | 9,249,000 | 8,518,000 |
| Risk-weighted assets | 36,152,000 | 35,223,000 | 35,862,000 | 36,261,000 |
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