Call reports 2014
RICHWOOD BANKING COMPANY, INC., THE — 2014
What RICHWOOD BANKING COMPANY, INC., THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 446,099,000 | 443,068,000 | 441,299,000 | 427,273,000 |
| Total loans | 201,869,000 | 208,487,000 | 212,644,000 | 215,768,000 |
| Allowance for loan losses | 1,180,000 | 1,325,000 | 1,497,000 | 1,547,000 |
| Securities available for sale | 204,746,000 | 190,934,000 | 192,381,000 | 175,071,000 |
| Securities held to maturity | 549,000 | 742,000 | 733,000 | 1,855,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 409,619,000 | 403,928,000 | 400,431,000 | 374,383,000 |
| Interest-bearing deposits | 389,152,000 | 382,674,000 | 393,266,000 | 365,493,000 |
| Noninterest-bearing deposits | 20,467,000 | 21,254,000 | 7,165,000 | 8,890,000 |
| Equity capital | 34,777,000 | 37,698,000 | 39,408,000 | 42,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,838,000 | 7,774,000 | 11,799,000 | 15,790,000 |
| Interest expense | 534,000 | 1,065,000 | 1,600,000 | 2,095,000 |
| Net interest income | 3,304,000 | 6,709,000 | 10,199,000 | 13,695,000 |
| Noninterest income | 582,000 | 1,231,000 | 1,919,000 | 2,510,000 |
| Noninterest expense | 2,610,000 | 5,349,000 | 8,057,000 | 10,994,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 500,000 |
| Pretax income | 1,165,000 | 2,408,000 | 3,836,000 | 5,050,000 |
| Income tax | 180,000 | 365,000 | 665,000 | 580,000 |
| Net income | 985,000 | 2,043,000 | 3,171,000 | 4,470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,321,000 | 37,123,000 | 38,252,000 | 39,550,000 |
| Total capital | 37,501,000 | 38,448,000 | 39,749,000 | 41,097,000 |
| Risk-weighted assets | 262,935,000 | 274,605,000 | 277,796,000 | 275,350,000 |