Call reports 2010
RICHWOOD BANKING COMPANY, INC., THE — 2010
What RICHWOOD BANKING COMPANY, INC., THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 301,485,000 | 320,424,000 | 330,314,000 | 325,354,000 |
| Total loans | 134,958,000 | 137,412,000 | 137,758,000 | 146,474,000 |
| Allowance for loan losses | 396,000 | 311,000 | 556,000 | 555,000 |
| Securities available for sale | 131,245,000 | 144,729,000 | 153,541,000 | 145,369,000 |
| Securities held to maturity | 1,193,000 | 1,187,000 | 1,182,000 | 916,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,830,000 | 295,724,000 | 304,001,000 | 300,743,000 |
| Interest-bearing deposits | 245,770,000 | 265,208,000 | 271,612,000 | 266,759,000 |
| Noninterest-bearing deposits | 32,060,000 | 30,516,000 | 32,389,000 | 33,984,000 |
| Equity capital | 23,116,000 | 24,124,000 | 24,856,000 | 22,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,431,000 | 6,921,000 | 10,434,000 | 13,976,000 |
| Interest expense | 1,025,000 | 2,063,000 | 3,104,000 | 4,024,000 |
| Net interest income | 2,406,000 | 4,858,000 | 7,330,000 | 9,952,000 |
| Noninterest income | 359,000 | 762,000 | 1,310,000 | 1,834,000 |
| Noninterest expense | 1,861,000 | 3,779,000 | 5,764,000 | 7,991,000 |
| Provision for loan losses | 126,000 | 252,000 | 537,000 | 537,000 |
| Pretax income | 778,000 | 1,633,000 | 2,389,000 | 3,309,000 |
| Income tax | 62,000 | 173,000 | 291,000 | 379,000 |
| Net income | 716,000 | 1,460,000 | 2,098,000 | 2,930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,967,000 | 23,377,000 | 24,004,000 | 25,807,000 |
| Total capital | 23,363,000 | 23,688,000 | 24,560,000 | 26,362,000 |
| Risk-weighted assets | 176,007,000 | 184,102,000 | 189,102,000 | 200,058,000 |