Call reports 2006
RICHWOOD BANKING COMPANY, INC., THE — 2006
What RICHWOOD BANKING COMPANY, INC., THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 172,647,000 | 174,477,000 | 183,144,000 | 186,115,000 |
| Total loans | 107,619,000 | 108,792,000 | 109,545,000 | 108,782,000 |
| Allowance for loan losses | 789,000 | 778,000 | 749,000 | 609,000 |
| Securities available for sale | 43,480,000 | 45,508,000 | 51,785,000 | 55,610,000 |
| Securities held to maturity | 2,901,000 | 2,872,000 | 2,867,000 | 2,798,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,532,000 | 151,389,000 | 160,476,000 | 164,649,000 |
| Interest-bearing deposits | 126,776,000 | 130,120,000 | 139,484,000 | 140,251,000 |
| Noninterest-bearing deposits | 23,756,000 | 21,268,000 | 20,992,000 | 24,398,000 |
| Equity capital | 16,495,000 | 16,451,000 | 17,552,000 | 17,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,413,000 | 5,002,000 | 7,717,000 | 10,528,000 |
| Interest expense | 907,000 | 1,972,000 | 3,215,000 | 4,607,000 |
| Net interest income | 1,506,000 | 3,030,000 | 4,502,000 | 5,921,000 |
| Noninterest income | 249,000 | 500,000 | 756,000 | 993,000 |
| Noninterest expense | 1,157,000 | 2,356,000 | 3,602,000 | 4,757,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | -60,000 |
| Pretax income | 568,000 | 1,068,000 | 1,520,000 | 2,171,000 |
| Income tax | 53,000 | 157,000 | 242,000 | 376,000 |
| Net income | 515,000 | 911,000 | 1,278,000 | 1,795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,906,000 | 17,296,000 | 17,620,000 | 18,093,000 |
| Total capital | 17,695,000 | 18,074,000 | 18,369,000 | 18,702,000 |
| Risk-weighted assets | 124,317,000 | 126,068,000 | 127,573,000 | 127,236,000 |