Call reports 2018
RICHWOOD BANKING COMPANY, INC., THE — 2018
What RICHWOOD BANKING COMPANY, INC., THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 513,372,000 | 520,652,000 | 523,170,000 | 706,505,000 |
| Total loans | 305,801,000 | 308,516,000 | 327,800,000 | 478,441,000 |
| Allowance for loan losses | 1,713,000 | 1,800,000 | 1,891,000 | 2,079,000 |
| Securities available for sale | 155,435,000 | 144,258,000 | 145,748,000 | 140,183,000 |
| Securities held to maturity | 1,565,000 | 1,500,000 | 1,491,000 | 3,786,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 466,118,000 | 472,839,000 | 475,019,000 | 609,466,000 |
| Interest-bearing deposits | 430,059,000 | 433,406,000 | 438,265,000 | 574,958,000 |
| Noninterest-bearing deposits | 36,059,000 | 39,433,000 | 36,754,000 | 34,508,000 |
| Equity capital | 45,034,000 | 45,723,000 | 45,442,000 | 69,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,991,000 | 10,106,000 | 15,487,000 | 21,537,000 |
| Interest expense | 814,000 | 1,671,000 | 2,757,000 | 4,113,000 |
| Net interest income | 4,177,000 | 8,435,000 | 12,730,000 | 17,424,000 |
| Noninterest income | 727,000 | 1,525,000 | 2,398,000 | 3,337,000 |
| Noninterest expense | 3,699,000 | 7,452,000 | 11,402,000 | 15,689,000 |
| Provision for loan losses | 100,000 | 200,000 | 302,000 | 492,000 |
| Pretax income | 1,110,000 | 2,330,000 | 3,451,000 | 4,607,000 |
| Income tax | 229,000 | 400,000 | 607,000 | 670,000 |
| Net income | 881,000 | 1,930,000 | 2,844,000 | 3,937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,881,000 | 48,929,000 | 49,842,000 | 61,982,000 |
| Total capital | 49,594,000 | 50,729,000 | 51,733,000 | 64,061,000 |
| Risk-weighted assets | 380,532,000 | 386,400,000 | 394,637,000 | 524,595,000 |