Call reports 2009
RICHWOOD BANKING COMPANY, INC., THE — 2009
What RICHWOOD BANKING COMPANY, INC., THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 248,398,000 | 259,410,000 | 278,281,000 | 283,904,000 |
| Total loans | 126,107,000 | 128,189,000 | 129,313,000 | 133,822,000 |
| Allowance for loan losses | 439,000 | 463,000 | 519,000 | 308,000 |
| Securities available for sale | 96,214,000 | 104,474,000 | 123,548,000 | 120,095,000 |
| Securities held to maturity | 727,000 | 1,315,000 | 1,310,000 | 1,199,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,832,000 | 239,173,000 | 255,712,000 | 260,936,000 |
| Interest-bearing deposits | 200,694,000 | 215,143,000 | 229,627,000 | 230,179,000 |
| Noninterest-bearing deposits | 27,138,000 | 24,030,000 | 26,085,000 | 30,757,000 |
| Equity capital | 19,478,000 | 19,203,000 | 21,391,000 | 21,532,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,161,000 | 6,524,000 | 9,881,000 | 13,310,000 |
| Interest expense | 1,331,000 | 2,663,000 | 3,932,000 | 5,064,000 |
| Net interest income | 1,830,000 | 3,861,000 | 5,949,000 | 8,246,000 |
| Noninterest income | 404,000 | 878,000 | 1,298,000 | 1,658,000 |
| Noninterest expense | 1,552,000 | 3,460,000 | 5,253,000 | 7,059,000 |
| Provision for loan losses | 30,000 | 90,000 | 150,000 | 210,000 |
| Pretax income | 723,000 | 1,368,000 | 2,026,000 | 2,837,000 |
| Income tax | 86,000 | 225,000 | 264,000 | 350,000 |
| Net income | 637,000 | 1,143,000 | 1,762,000 | 2,487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,126,000 | 21,125,000 | 21,790,000 | 22,064,000 |
| Total capital | 19,565,000 | 21,588,000 | 22,336,000 | 22,372,000 |
| Risk-weighted assets | 155,870,000 | 162,632,000 | 165,358,000 | 171,022,000 |