Call reports 2021
RICHTON BANK & TRUST COMPANY — 2021
What RICHTON BANK & TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 58,226,000 | 57,733,000 | 61,367,000 | 60,263,000 |
| Total loans | 19,208,000 | 18,192,000 | 17,952,000 | 17,006,000 |
| Allowance for loan losses | 402,000 | 402,000 | 902,000 | 901,000 |
| Securities available for sale | 20,063,000 | 20,399,000 | 20,711,000 | 23,989,000 |
| Securities held to maturity | 4,000 | 4,000 | 4,000 | 4,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,280,000 | 48,686,000 | 50,917,000 | 50,667,000 |
| Interest-bearing deposits | 34,044,000 | 33,661,000 | 34,617,000 | 33,158,000 |
| Noninterest-bearing deposits | 15,236,000 | 15,025,000 | 16,300,000 | 17,509,000 |
| Equity capital | 8,338,000 | 8,473,000 | 9,858,000 | 9,002,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 405,000 | 792,000 | 1,161,000 | 1,522,000 |
| Interest expense | 32,000 | 63,000 | 90,000 | 103,000 |
| Net interest income | 373,000 | 729,000 | 1,071,000 | 1,419,000 |
| Noninterest income | 79,000 | 156,000 | 2,133,000 | 2,211,000 |
| Noninterest expense | 425,000 | 858,000 | 1,319,000 | 2,312,000 |
| Provision for loan losses | 0 | 0 | 500,000 | 500,000 |
| Pretax income | 27,000 | 27,000 | 1,385,000 | 818,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 27,000 | 27,000 | 1,385,000 | 818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,839,000 | 7,838,000 | 9,197,000 | 8,630,000 |
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