Call reports 2019
RICHTON BANK & TRUST COMPANY — 2019
What RICHTON BANK & TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 56,127,000 | 56,561,000 | 57,079,000 | 55,663,000 |
| Total loans | 22,808,000 | 23,425,000 | 23,020,000 | 23,017,000 |
| Allowance for loan losses | 402,000 | 402,000 | 402,000 | 402,000 |
| Securities available for sale | 18,454,000 | 17,385,000 | 16,807,000 | 17,067,000 |
| Securities held to maturity | 9,000 | 5,000 | 5,000 | 4,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,755,000 | 45,565,000 | 46,074,000 | 44,518,000 |
| Interest-bearing deposits | 32,751,000 | 31,809,000 | 32,057,000 | 30,963,000 |
| Noninterest-bearing deposits | 13,004,000 | 13,756,000 | 14,017,000 | 13,555,000 |
| Equity capital | 8,876,000 | 9,481,000 | 9,459,000 | 9,459,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 501,000 | 1,017,000 | 1,572,000 | 2,057,000 |
| Interest expense | 42,000 | 90,000 | 140,000 | 196,000 |
| Net interest income | 459,000 | 927,000 | 1,432,000 | 1,861,000 |
| Noninterest income | 189,000 | 629,000 | 745,000 | 914,000 |
| Noninterest expense | 542,000 | 1,058,000 | 1,752,000 | 2,183,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 106,000 | 498,000 | 425,000 | 592,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 106,000 | 498,000 | 425,000 | 592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,529,000 | 9,321,000 | 9,053,000 | 9,314,000 |
| Total capital | 8,931,000 | 9,723,000 | 9,455,000 | 10,100,000 |
| Risk-weighted assets | 34,461,000 | 32,182,000 | 32,182,000 | 31,470,000 |
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