Call reports 2002
RICHWOOD BANKING COMPANY, INC., THE — 2002
What RICHWOOD BANKING COMPANY, INC., THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 126,753,000 | 127,078,000 | 134,511,000 | 137,288,000 |
| Total loans | 67,200,000 | 68,703,000 | 67,537,000 | 68,268,000 |
| Allowance for loan losses | 582,000 | 606,000 | 638,000 | 688,000 |
| Securities available for sale | 42,438,000 | 37,175,000 | 44,203,000 | 51,500,000 |
| Securities held to maturity | 3,864,000 | 3,822,000 | 3,821,000 | 2,759,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,568,000 | 113,704,000 | 120,218,000 | 123,334,000 |
| Interest-bearing deposits | 99,070,000 | 98,504,000 | 105,232,000 | 106,920,000 |
| Noninterest-bearing deposits | 15,498,000 | 15,201,000 | 14,986,000 | 16,414,000 |
| Equity capital | 11,395,000 | 12,426,000 | 13,198,000 | 13,072,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,103,000 | 4,237,000 | 6,293,000 | 8,340,000 |
| Interest expense | 831,000 | 1,607,000 | 2,359,000 | 3,078,000 |
| Net interest income | 1,272,000 | 2,630,000 | 3,934,000 | 5,262,000 |
| Noninterest income | 201,000 | 406,000 | 630,000 | 827,000 |
| Noninterest expense | 956,000 | 1,871,000 | 2,843,000 | 3,914,000 |
| Provision for loan losses | 20,000 | 45,000 | 75,000 | 130,000 |
| Pretax income | 504,000 | 1,131,000 | 1,678,000 | 2,177,000 |
| Income tax | 91,000 | 256,000 | 396,000 | 485,000 |
| Net income | 413,000 | 875,000 | 1,282,000 | 1,692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,140,000 | 11,557,000 | 12,029,000 | 12,061,000 |
| Total capital | 11,722,000 | 12,163,000 | 12,667,000 | 12,749,000 |
| Risk-weighted assets | 80,714,000 | 90,737,000 | 83,550,000 | 85,250,000 |