Call reports 2025
RICHTON BANK & TRUST COMPANY — 2025
What RICHTON BANK & TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 52,128,000 | 50,769,000 | 50,628,000 | 51,352,000 |
| Total loans | 19,014,000 | 19,924,000 | 21,833,000 | 21,061,000 |
| Allowance for loan losses | 785,000 | 785,000 | 785,000 | 785,000 |
| Securities available for sale | 18,440,000 | 19,667,000 | 18,985,000 | 18,246,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,093,000 | 42,386,000 | 41,879,000 | 42,417,000 |
| Interest-bearing deposits | 29,637,000 | 28,847,000 | 28,319,000 | 27,973,000 |
| Noninterest-bearing deposits | 14,456,000 | 13,539,000 | 13,560,000 | 14,444,000 |
| Equity capital | 7,329,000 | 7,539,000 | 7,898,000 | 8,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 522,000 | 1,067,000 | 1,637,000 | 2,161,000 |
| Interest expense | 76,000 | 152,000 | 220,000 | 274,000 |
| Net interest income | 446,000 | 915,000 | 1,417,000 | 1,887,000 |
| Noninterest income | 84,000 | 161,000 | 259,000 | 306,000 |
| Noninterest expense | 444,000 | 891,000 | 1,340,000 | 1,761,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 86,000 | 185,000 | 336,000 | 432,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 86,000 | 185,000 | 336,000 | 432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,345,000 | 8,444,000 | 8,595,000 | 8,691,000 |
Machine access — free, no API key
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