Call reports 2011
RICHWOOD BANKING COMPANY, INC., THE — 2011
What RICHWOOD BANKING COMPANY, INC., THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 346,147,000 | 353,051,000 | 360,033,000 | 346,240,000 |
| Total loans | 144,250,000 | 151,759,000 | 154,015,000 | 161,397,000 |
| Allowance for loan losses | 598,000 | 693,000 | 770,000 | 891,000 |
| Securities available for sale | 161,954,000 | 155,767,000 | 173,684,000 | 148,593,000 |
| Securities held to maturity | 911,000 | 1,505,000 | 1,497,000 | 1,400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,369,000 | 324,682,000 | 328,662,000 | 315,148,000 |
| Interest-bearing deposits | 290,225,000 | 297,869,000 | 322,124,000 | 298,022,000 |
| Noninterest-bearing deposits | 30,144,000 | 26,813,000 | 6,538,000 | 17,126,000 |
| Equity capital | 24,453,000 | 27,433,000 | 30,222,000 | 29,646,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,489,000 | 7,021,000 | 10,476,000 | 13,851,000 |
| Interest expense | 908,000 | 1,741,000 | 2,511,000 | 3,208,000 |
| Net interest income | 2,581,000 | 5,280,000 | 7,965,000 | 10,643,000 |
| Noninterest income | 464,000 | 925,000 | 1,505,000 | 2,220,000 |
| Noninterest expense | 2,269,000 | 4,510,000 | 6,797,000 | 9,189,000 |
| Provision for loan losses | 67,000 | 168,000 | 268,000 | 519,000 |
| Pretax income | 711,000 | 1,582,000 | 2,506,000 | 3,346,000 |
| Income tax | 59,000 | 199,000 | 342,000 | 503,000 |
| Net income | 652,000 | 1,383,000 | 2,164,000 | 2,843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,514,000 | 27,225,000 | 28,004,000 | 28,114,000 |
| Total capital | 27,124,000 | 27,956,000 | 28,798,000 | 29,015,000 |
| Risk-weighted assets | 200,679,000 | 203,471,000 | 190,196,000 | 193,470,000 |