Call reports 2017
RICHTON BANK & TRUST COMPANY — 2017
What RICHTON BANK & TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 62,708,000 | 60,034,000 | 59,194,000 | 59,013,000 |
| Total loans | 25,022,000 | 24,278,000 | 23,589,000 | 23,756,000 |
| Allowance for loan losses | 446,000 | 446,000 | 447,000 | 447,000 |
| Securities available for sale | 20,086,000 | 20,139,000 | 20,508,000 | 19,917,000 |
| Securities held to maturity | 64,000 | 64,000 | 64,000 | 63,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,076,000 | 50,181,000 | 49,211,000 | 48,967,000 |
| Interest-bearing deposits | 39,691,000 | 37,962,000 | 36,710,000 | 36,018,000 |
| Noninterest-bearing deposits | 13,385,000 | 12,219,000 | 12,501,000 | 12,949,000 |
| Equity capital | 8,366,000 | 8,572,000 | 8,680,000 | 8,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 501,000 | 1,022,000 | 1,531,000 | 2,056,000 |
| Interest expense | 19,000 | 39,000 | 59,000 | 79,000 |
| Net interest income | 482,000 | 983,000 | 1,472,000 | 1,977,000 |
| Noninterest income | 113,000 | 231,000 | 355,000 | 469,000 |
| Noninterest expense | 478,000 | 974,000 | 1,477,000 | 1,930,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 117,000 | 240,000 | 350,000 | 516,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 117,000 | 240,000 | 350,000 | 516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,939,000 | 8,070,000 | 8,185,000 | 8,285,000 |
| Total capital | 8,385,000 | 8,516,000 | 8,625,000 | 8,726,000 |
| Risk-weighted assets | 36,016,000 | 35,070,000 | 34,409,000 | 34,463,000 |