Call reports 2004
RICHWOOD BANKING COMPANY, INC., THE — 2004
What RICHWOOD BANKING COMPANY, INC., THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 158,732,000 | 157,294,000 | 161,399,000 | 160,141,000 |
| Total loans | 81,991,000 | 86,128,000 | 88,489,000 | 93,520,000 |
| Allowance for loan losses | 770,000 | 761,000 | 765,000 | 770,000 |
| Securities available for sale | 54,922,000 | 51,747,000 | 49,232,000 | 45,062,000 |
| Securities held to maturity | 3,128,000 | 3,123,000 | 2,734,000 | 2,477,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,642,000 | 142,986,000 | 145,535,000 | 141,371,000 |
| Interest-bearing deposits | 124,865,000 | 123,118,000 | 123,740,000 | 117,683,000 |
| Noninterest-bearing deposits | 18,777,000 | 19,868,000 | 21,795,000 | 23,689,000 |
| Equity capital | 14,621,000 | 13,561,000 | 15,023,000 | 14,754,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,053,000 | 4,107,000 | 6,163,000 | 8,267,000 |
| Interest expense | 642,000 | 1,288,000 | 1,933,000 | 2,605,000 |
| Net interest income | 1,411,000 | 2,819,000 | 4,230,000 | 5,662,000 |
| Noninterest income | 205,000 | 426,000 | 684,000 | 918,000 |
| Noninterest expense | 1,113,000 | 2,204,000 | 3,332,000 | 4,464,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 530,000 | 1,056,000 | 1,586,000 | 2,183,000 |
| Income tax | 60,000 | 143,000 | 241,000 | 416,000 |
| Net income | 470,000 | 913,000 | 1,345,000 | 1,767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,768,000 | 14,181,000 | 14,719,000 | 14,473,000 |
| Total capital | 14,538,000 | 14,942,000 | 15,484,000 | 15,243,000 |
| Risk-weighted assets | 101,577,000 | 104,378,000 | 102,772,000 | 105,424,000 |