Call reports 2016
RICHWOOD BANKING COMPANY, INC., THE — 2016
What RICHWOOD BANKING COMPANY, INC., THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 459,396,000 | 461,110,000 | 475,312,000 | 468,164,000 |
| Total loans | 230,336,000 | 236,824,000 | 245,050,000 | 251,551,000 |
| Allowance for loan losses | 1,665,000 | 1,692,000 | 1,353,000 | 1,496,000 |
| Securities available for sale | 194,793,000 | 177,277,000 | 182,877,000 | 172,959,000 |
| Securities held to maturity | 1,722,000 | 1,663,000 | 1,643,000 | 1,594,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 410,240,000 | 408,761,000 | 421,580,000 | 408,374,000 |
| Interest-bearing deposits | 401,661,000 | 393,571,000 | 405,537,000 | 392,477,000 |
| Noninterest-bearing deposits | 8,579,000 | 15,190,000 | 16,043,000 | 15,897,000 |
| Equity capital | 47,047,000 | 49,027,000 | 50,385,000 | 45,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,077,000 | 8,148,000 | 12,379,000 | 16,646,000 |
| Interest expense | 448,000 | 892,000 | 1,357,000 | 1,899,000 |
| Net interest income | 3,629,000 | 7,256,000 | 11,022,000 | 14,747,000 |
| Noninterest income | 629,000 | 1,373,000 | 2,146,000 | 2,957,000 |
| Noninterest expense | 3,231,000 | 6,410,000 | 9,777,000 | 13,174,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 146,000 |
| Pretax income | 1,180,000 | 2,554,000 | 3,772,000 | 5,031,000 |
| Income tax | 201,000 | 466,000 | 739,000 | 833,000 |
| Net income | 979,000 | 2,088,000 | 3,033,000 | 4,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,591,000 | 45,450,000 | 46,394,000 | 47,311,000 |
| Total capital | 46,256,000 | 47,142,000 | 47,747,000 | 48,807,000 |
| Risk-weighted assets | 296,598,000 | 306,360,000 | 314,766,000 | 321,454,000 |