Call reports 2001
RICHWOOD BANKING COMPANY, INC., THE — 2001
What RICHWOOD BANKING COMPANY, INC., THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 122,315,000 | 124,641,000 | 132,148,000 | 126,961,000 |
| Total loans | 61,822,000 | 64,555,000 | 66,085,000 | 66,035,000 |
| Allowance for loan losses | 588,000 | 578,000 | 596,000 | 598,000 |
| Securities available for sale | 39,589,000 | 39,683,000 | 43,813,000 | 45,314,000 |
| Securities held to maturity | 5,137,000 | 5,034,000 | 5,033,000 | 3,865,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,088,000 | 113,116,000 | 119,501,000 | 114,874,000 |
| Interest-bearing deposits | 97,121,000 | 99,276,000 | 104,705,000 | 98,980,000 |
| Noninterest-bearing deposits | 13,967,000 | 13,840,000 | 14,796,000 | 15,894,000 |
| Equity capital | 10,590,000 | 10,969,000 | 11,684,000 | 11,298,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,166,000 | 4,460,000 | 6,791,000 | 9,112,000 |
| Interest expense | 1,179,000 | 2,339,000 | 3,487,000 | 4,480,000 |
| Net interest income | 987,000 | 2,121,000 | 3,304,000 | 4,632,000 |
| Noninterest income | 150,000 | 321,000 | 500,000 | 668,000 |
| Noninterest expense | 753,000 | 1,542,000 | 2,374,000 | 3,564,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 387,000 | 904,000 | 1,458,000 | 1,825,000 |
| Income tax | 37,000 | 130,000 | 214,000 | 360,000 |
| Net income | 350,000 | 774,000 | 1,244,000 | 1,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,663,000 | 10,395,000 | 10,887,000 | 10,842,000 |
| Total capital | 11,251,000 | 10,973,000 | 11,485,000 | 11,440,000 |
| Risk-weighted assets | 74,397,000 | 87,892,000 | 88,939,000 | 86,487,000 |