Call reports 2024
RICHTON BANK & TRUST COMPANY — 2024
What RICHTON BANK & TRUST COMPANY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 51,371,000 | 50,945,000 | 51,556,000 | 52,044,000 |
| Total loans | 22,335,000 | 21,507,000 | 21,235,000 | 20,028,000 |
| Allowance for loan losses | 860,000 | 788,000 | 786,000 | 785,000 |
| Securities available for sale | 16,914,000 | 17,838,000 | 17,178,000 | 16,899,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,062,000 | 43,445,000 | 43,488,000 | 44,170,000 |
| Interest-bearing deposits | 30,490,000 | 29,415,000 | 29,737,000 | 29,759,000 |
| Noninterest-bearing deposits | 13,572,000 | 14,030,000 | 13,751,000 | 14,411,000 |
| Equity capital | 6,601,000 | 6,786,000 | 7,366,000 | 7,190,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 492,000 | 979,000 | 1,503,000 | 2,047,000 |
| Interest expense | 80,000 | 157,000 | 239,000 | 318,000 |
| Net interest income | 412,000 | 822,000 | 1,264,000 | 1,729,000 |
| Noninterest income | 61,000 | 125,000 | 182,000 | 281,000 |
| Noninterest expense | 433,000 | 877,000 | 1,304,000 | 1,757,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 40,000 | 70,000 | 142,000 | 253,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 40,000 | 70,000 | 142,000 | 253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,236,000 | 8,265,000 | 8,337,000 | 8,449,000 |
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