Call reports 2022
RICHTON BANK & TRUST COMPANY — 2022
What RICHTON BANK & TRUST COMPANY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 57,749,000 | 57,060,000 | 56,826,000 | 55,454,000 |
| Total loans | 18,687,000 | 19,911,000 | 19,776,000 | 20,898,000 |
| Allowance for loan losses | 903,000 | 903,000 | 903,000 | 860,000 |
| Securities available for sale | 23,224,000 | 21,805,000 | 20,107,000 | 21,160,000 |
| Securities held to maturity | 4,000 | 4,000 | 4,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,300,000 | 49,551,000 | 49,948,000 | 48,204,000 |
| Interest-bearing deposits | 32,835,000 | 33,327,000 | 32,743,000 | 32,384,000 |
| Noninterest-bearing deposits | 16,465,000 | 16,224,000 | 17,205,000 | 15,820,000 |
| Equity capital | 7,879,000 | 6,931,000 | 6,306,000 | 6,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 356,000 | 737,000 | 1,167,000 | 1,605,000 |
| Interest expense | 10,000 | 20,000 | 31,000 | 42,000 |
| Net interest income | 346,000 | 717,000 | 1,136,000 | 1,563,000 |
| Noninterest income | 84,000 | 209,000 | 298,000 | 692,000 |
| Noninterest expense | 368,000 | 742,000 | 1,155,000 | 1,886,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 62,000 | 184,000 | 279,000 | 369,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 62,000 | 184,000 | 279,000 | 369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,692,000 | 8,201,000 | 8,295,000 | 8,386,000 |
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