Call reports 2012
RICHWOOD BANKING COMPANY, INC., THE — 2012
What RICHWOOD BANKING COMPANY, INC., THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 372,593,000 | 380,457,000 | 391,029,000 | 378,571,000 |
| Total loans | 159,852,000 | 167,470,000 | 167,749,000 | 179,226,000 |
| Allowance for loan losses | 998,000 | 1,048,000 | 256,000 | 654,000 |
| Securities available for sale | 173,263,000 | 170,510,000 | 182,523,000 | 160,441,000 |
| Securities held to maturity | 1,393,000 | 792,000 | 786,000 | 683,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 340,541,000 | 345,944,000 | 354,087,000 | 341,416,000 |
| Interest-bearing deposits | 326,661,000 | 327,652,000 | 335,512,000 | 320,505,000 |
| Noninterest-bearing deposits | 13,880,000 | 18,291,000 | 18,575,000 | 20,911,000 |
| Equity capital | 31,076,000 | 32,926,000 | 35,059,000 | 35,535,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,380,000 | 6,784,000 | 10,300,000 | 13,773,000 |
| Interest expense | 694,000 | 1,263,000 | 2,007,000 | 2,603,000 |
| Net interest income | 2,686,000 | 5,521,000 | 8,293,000 | 11,170,000 |
| Noninterest income | 579,000 | 1,067,000 | 1,818,000 | 2,615,000 |
| Noninterest expense | 2,398,000 | 4,950,000 | 7,298,000 | 9,680,000 |
| Provision for loan losses | 100,000 | 200,000 | 333,000 | 733,000 |
| Pretax income | 924,000 | 1,630,000 | 2,868,000 | 3,870,000 |
| Income tax | 97,000 | 182,000 | 405,000 | 374,000 |
| Net income | 827,000 | 1,448,000 | 2,463,000 | 3,496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,925,000 | 29,544,000 | 30,521,000 | 31,551,000 |
| Total capital | 29,923,000 | 30,592,000 | 30,777,000 | 32,206,000 |
| Risk-weighted assets | 226,323,000 | 234,611,000 | 224,359,000 | 229,838,000 |