Call reports 2003
RICHWOOD BANKING COMPANY, INC., THE — 2003
What RICHWOOD BANKING COMPANY, INC., THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 143,784,000 | 158,524,000 | 160,811,000 | 153,001,000 |
| Total loans | 68,896,000 | 68,264,000 | 72,366,000 | 76,935,000 |
| Allowance for loan losses | 684,000 | 684,000 | 673,000 | 676,000 |
| Securities available for sale | 53,578,000 | 68,673,000 | 70,317,000 | 58,035,000 |
| Securities held to maturity | 3,818,000 | 2,733,000 | 3,433,000 | 3,132,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,578,000 | 143,633,000 | 146,550,000 | 138,538,000 |
| Interest-bearing deposits | 111,238,000 | 125,735,000 | 126,839,000 | 117,952,000 |
| Noninterest-bearing deposits | 18,340,000 | 17,898,000 | 19,711,000 | 20,586,000 |
| Equity capital | 13,444,000 | 14,092,000 | 13,618,000 | 13,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,972,000 | 4,010,000 | 6,139,000 | 8,282,000 |
| Interest expense | 676,000 | 1,403,000 | 2,130,000 | 2,821,000 |
| Net interest income | 1,296,000 | 2,607,000 | 4,009,000 | 5,461,000 |
| Noninterest income | 202,000 | 421,000 | 645,000 | 873,000 |
| Noninterest expense | 999,000 | 1,996,000 | 3,039,000 | 4,178,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 517,000 | 1,063,000 | 1,656,000 | 2,245,000 |
| Income tax | 80,000 | 178,000 | 284,000 | 422,000 |
| Net income | 437,000 | 885,000 | 1,372,000 | 1,823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,560,000 | 12,699,000 | 13,237,000 | 13,292,000 |
| Total capital | 13,244,000 | 13,383,000 | 13,910,000 | 13,968,000 |
| Risk-weighted assets | 83,808,000 | 85,992,000 | 89,842,000 | 96,739,000 |