Call reports 2018
RICHTON BANK & TRUST COMPANY — 2018
What RICHTON BANK & TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 58,630,000 | 57,030,000 | 54,979,000 | 56,602,000 |
| Total loans | 24,059,000 | 23,623,000 | 23,468,000 | 23,230,000 |
| Allowance for loan losses | 447,000 | 449,000 | 444,000 | 444,000 |
| Securities available for sale | 20,130,000 | 19,760,000 | 18,415,000 | 17,514,000 |
| Securities held to maturity | 63,000 | 62,000 | 12,000 | 8,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,961,000 | 47,190,000 | 44,912,000 | 46,148,000 |
| Interest-bearing deposits | 36,681,000 | 35,150,000 | 32,996,000 | 33,199,000 |
| Noninterest-bearing deposits | 12,280,000 | 12,040,000 | 11,916,000 | 12,949,000 |
| Equity capital | 8,348,000 | 8,502,000 | 8,542,000 | 8,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 482,000 | 1,008,000 | 1,550,000 | 2,079,000 |
| Interest expense | 20,000 | 45,000 | 82,000 | 121,000 |
| Net interest income | 462,000 | 963,000 | 1,468,000 | 1,958,000 |
| Noninterest income | 115,000 | 241,000 | 591,000 | 731,000 |
| Noninterest expense | 515,000 | 976,000 | 1,712,000 | 2,208,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 62,000 | 228,000 | 347,000 | 481,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 62,000 | 228,000 | 347,000 | 481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,366,000 | 7,751,000 | 7,480,000 | 8,687,000 |
| Total capital | 7,812,000 | 8,183,000 | 7,924,000 | 9,131,000 |
| Risk-weighted assets | 34,286,000 | 33,363,000 | 34,803,000 | 35,032,000 |