Call reports 2020
RICHTON BANK & TRUST COMPANY — 2020
What RICHTON BANK & TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 55,638,000 | 64,685,000 | 62,427,000 | 57,454,000 |
| Total loans | 22,644,000 | 21,603,000 | 20,242,000 | 19,530,000 |
| Allowance for loan losses | 402,000 | 396,000 | 402,000 | 402,000 |
| Securities available for sale | 21,071,000 | 19,688,000 | 18,981,000 | 18,945,000 |
| Securities held to maturity | 4,000 | 4,000 | 4,000 | 4,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,983,000 | 53,524,000 | 51,252,000 | 48,342,000 |
| Interest-bearing deposits | 31,899,000 | 37,174,000 | 36,474,000 | 32,602,000 |
| Noninterest-bearing deposits | 13,084,000 | 16,350,000 | 14,778,000 | 15,740,000 |
| Equity capital | 9,138,000 | 9,640,000 | 9,656,000 | 8,449,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 460,000 | 901,000 | 1,335,000 | 1,718,000 |
| Interest expense | 56,000 | 112,000 | 159,000 | 196,000 |
| Net interest income | 404,000 | 789,000 | 1,176,000 | 1,522,000 |
| Noninterest income | 107,000 | 200,000 | 302,000 | 518,000 |
| Noninterest expense | 441,000 | 842,000 | 1,439,000 | 4,093,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 70,000 | 147,000 | 39,000 | -2,053,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 70,000 | 147,000 | 39,000 | -2,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,025,000 | 9,120,000 | 9,009,000 | 7,812,000 |
| Total capital | 9,418,000 | 9,512,000 | 9,401,000 | — |
| Risk-weighted assets | 31,470,000 | 31,327,000 | 31,321,000 | — |