Call reports 2007
RICHWOOD BANKING COMPANY, INC., THE — 2007
What RICHWOOD BANKING COMPANY, INC., THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 190,879,000 | 193,451,000 | 193,092,000 | 200,970,000 |
| Total loans | 112,442,000 | 114,538,000 | 115,533,000 | 112,834,000 |
| Allowance for loan losses | 611,000 | 559,000 | 559,000 | 534,000 |
| Securities available for sale | 57,159,000 | 53,470,000 | 56,684,000 | 65,392,000 |
| Securities held to maturity | 2,793,000 | 1,673,000 | 1,668,000 | 1,521,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,031,000 | 172,350,000 | 170,810,000 | 179,139,000 |
| Interest-bearing deposits | 145,884,000 | 149,544,000 | 147,660,000 | 155,848,000 |
| Noninterest-bearing deposits | 23,148,000 | 22,806,000 | 23,150,000 | 23,291,000 |
| Equity capital | 18,327,000 | 17,778,000 | 18,648,000 | 19,052,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,848,000 | 5,776,000 | 8,832,000 | 11,846,000 |
| Interest expense | 1,400,000 | 2,845,000 | 4,337,000 | 5,911,000 |
| Net interest income | 1,448,000 | 2,931,000 | 4,495,000 | 5,935,000 |
| Noninterest income | 252,000 | 535,000 | 921,000 | 1,350,000 |
| Noninterest expense | 1,256,000 | 2,460,000 | 3,808,000 | 5,091,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 445,000 | 1,001,000 | 1,603,000 | 2,196,000 |
| Income tax | 25,000 | 109,000 | 189,000 | 268,000 |
| Net income | 420,000 | 892,000 | 1,414,000 | 1,928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,620,000 | 19,062,000 | 19,579,000 | 19,661,000 |
| Total capital | 19,231,000 | 19,621,000 | 20,138,000 | 20,195,000 |
| Risk-weighted assets | 132,833,000 | 135,671,000 | 136,696,000 | 136,471,000 |