Call reports 2017
RICHWOOD BANKING COMPANY, INC., THE — 2017
What RICHWOOD BANKING COMPANY, INC., THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 501,771,000 | 509,618,000 | 503,556,000 | 502,206,000 |
| Total loans | 256,812,000 | 267,965,000 | 282,268,000 | 297,377,000 |
| Allowance for loan losses | 1,509,000 | 1,560,000 | 1,560,000 | 1,617,000 |
| Securities available for sale | 191,139,000 | 166,311,000 | 165,935,000 | 153,745,000 |
| Securities held to maturity | 1,574,000 | 1,521,000 | 1,511,000 | 1,446,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 452,492,000 | 457,334,000 | 454,228,000 | 453,194,000 |
| Interest-bearing deposits | 439,013,000 | 441,690,000 | 424,577,000 | 420,304,000 |
| Noninterest-bearing deposits | 13,479,000 | 15,644,000 | 29,651,000 | 32,890,000 |
| Equity capital | 47,452,000 | 50,312,000 | 46,544,000 | 46,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,299,000 | 9,041,000 | 13,879,000 | 18,724,000 |
| Interest expense | 567,000 | 1,204,000 | 1,922,000 | 2,608,000 |
| Net interest income | 3,732,000 | 7,837,000 | 11,957,000 | 16,116,000 |
| Noninterest income | 749,000 | 1,467,000 | 2,243,000 | 2,910,000 |
| Noninterest expense | 3,601,000 | 7,247,000 | 11,041,000 | 15,021,000 |
| Provision for loan losses | 75,000 | 153,000 | 228,000 | 303,000 |
| Pretax income | 1,327,000 | 2,624,000 | 3,732,000 | 4,642,000 |
| Income tax | 252,000 | 504,000 | 693,000 | 453,000 |
| Net income | 1,075,000 | 2,120,000 | 3,039,000 | 4,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,385,000 | 49,431,000 | 45,849,000 | 46,999,000 |
| Total capital | 49,894,000 | 50,991,000 | 47,409,000 | 48,616,000 |
| Risk-weighted assets | 328,035,000 | 353,219,000 | 365,619,000 | 364,937,000 |