Call reports 2005
RICHWOOD BANKING COMPANY, INC., THE — 2005
What RICHWOOD BANKING COMPANY, INC., THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 161,986,000 | 166,711,000 | 168,078,000 | 167,751,000 |
| Total loans | 94,964,000 | 98,533,000 | 103,053,000 | 103,959,000 |
| Allowance for loan losses | 767,000 | 778,000 | 777,000 | 798,000 |
| Securities available for sale | 42,304,000 | 45,679,000 | 44,766,000 | 42,740,000 |
| Securities held to maturity | 2,372,000 | 3,342,000 | 3,237,000 | 2,906,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,379,000 | 147,227,000 | 148,049,000 | 147,395,000 |
| Interest-bearing deposits | 121,338,000 | 125,415,000 | 126,719,000 | 121,808,000 |
| Noninterest-bearing deposits | 22,041,000 | 21,813,000 | 21,330,000 | 25,586,000 |
| Equity capital | 14,878,000 | 15,706,000 | 16,240,000 | 15,913,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,059,000 | 4,259,000 | 6,572,000 | 8,947,000 |
| Interest expense | 727,000 | 1,504,000 | 2,289,000 | 3,102,000 |
| Net interest income | 1,332,000 | 2,755,000 | 4,283,000 | 5,845,000 |
| Noninterest income | 203,000 | 450,000 | 719,000 | 979,000 |
| Noninterest expense | 1,138,000 | 2,194,000 | 3,343,000 | 4,487,000 |
| Provision for loan losses | 12,000 | 30,000 | 60,000 | 90,000 |
| Pretax income | 390,000 | 987,000 | 1,607,000 | 2,257,000 |
| Income tax | 51,000 | 167,000 | 302,000 | 443,000 |
| Net income | 339,000 | 820,000 | 1,305,000 | 1,814,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,011,000 | 15,438,000 | 15,989,000 | 16,114,000 |
| Total capital | 15,778,000 | 16,216,000 | 16,766,000 | 16,912,000 |
| Risk-weighted assets | 108,387,000 | 113,239,000 | 118,399,000 | 118,442,000 |