Call reports 2013
RICHWOOD BANKING COMPANY, INC., THE — 2013
What RICHWOOD BANKING COMPANY, INC., THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 402,149,000 | 401,158,000 | 407,990,000 | 410,717,000 |
| Total loans | 181,535,000 | 191,792,000 | 204,941,000 | 206,886,000 |
| Allowance for loan losses | 692,000 | 990,000 | 1,203,000 | 1,029,000 |
| Securities available for sale | 184,692,000 | 167,978,000 | 168,612,000 | 165,751,000 |
| Securities held to maturity | 677,000 | 670,000 | 664,000 | 554,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 365,395,000 | 368,824,000 | 374,529,000 | 377,487,000 |
| Interest-bearing deposits | 345,674,000 | 349,256,000 | 356,238,000 | 355,334,000 |
| Noninterest-bearing deposits | 19,722,000 | 19,568,000 | 18,291,000 | 22,153,000 |
| Equity capital | 35,623,000 | 31,350,000 | 32,010,000 | 32,368,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,529,000 | 7,129,000 | 10,864,000 | 14,660,000 |
| Interest expense | 589,000 | 1,143,000 | 1,709,000 | 2,218,000 |
| Net interest income | 2,940,000 | 5,986,000 | 9,155,000 | 12,442,000 |
| Noninterest income | 663,000 | 1,265,000 | 1,998,000 | 2,623,000 |
| Noninterest expense | 2,488,000 | 4,956,000 | 7,476,000 | 9,964,000 |
| Provision for loan losses | 150,000 | 450,000 | 700,000 | 800,000 |
| Pretax income | 1,106,000 | 2,373,000 | 3,525,000 | 4,906,000 |
| Income tax | 92,000 | 372,000 | 538,000 | 964,000 |
| Net income | 1,014,000 | 2,001,000 | 2,987,000 | 3,942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,613,000 | 33,598,000 | 34,583,000 | 35,337,000 |
| Total capital | 33,305,000 | 34,588,000 | 35,786,000 | 36,366,000 |
| Risk-weighted assets | 237,674,000 | 258,568,000 | 262,084,000 | 266,869,000 |