Call reports 2015
RICHWOOD BANKING COMPANY, INC., THE — 2015
What RICHWOOD BANKING COMPANY, INC., THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 451,418,000 | 450,519,000 | 467,485,000 | 442,388,000 |
| Total loans | 212,582,000 | 218,608,000 | 224,685,000 | 226,985,000 |
| Allowance for loan losses | 1,577,000 | 1,605,000 | 1,624,000 | 1,652,000 |
| Securities available for sale | 188,077,000 | 188,391,000 | 204,546,000 | 177,185,000 |
| Securities held to maturity | 1,846,000 | 1,838,000 | 1,789,000 | 1,730,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 405,701,000 | 406,951,000 | 421,145,000 | 390,421,000 |
| Interest-bearing deposits | 396,869,000 | 398,668,000 | 413,174,000 | 380,937,000 |
| Noninterest-bearing deposits | 8,832,000 | 8,283,000 | 7,971,000 | 9,484,000 |
| Equity capital | 43,696,000 | 42,422,000 | 44,693,000 | 45,320,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,850,000 | 7,866,000 | 12,004,000 | 16,174,000 |
| Interest expense | 470,000 | 933,000 | 1,407,000 | 1,869,000 |
| Net interest income | 3,380,000 | 6,933,000 | 10,597,000 | 14,305,000 |
| Noninterest income | 590,000 | 1,252,000 | 1,871,000 | 2,556,000 |
| Noninterest expense | 2,889,000 | 5,815,000 | 8,883,000 | 11,944,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,182,000 | 2,490,000 | 3,695,000 | 5,091,000 |
| Income tax | 227,000 | 423,000 | 635,000 | 871,000 |
| Net income | 955,000 | 2,067,000 | 3,060,000 | 4,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,547,000 | 41,659,000 | 42,652,000 | 43,612,000 |
| Total capital | 42,124,000 | 43,264,000 | 44,276,000 | 45,264,000 |
| Risk-weighted assets | 272,205,000 | 279,508,000 | 291,287,000 | 289,145,000 |