Call reports 2019
RICHWOOD BANKING COMPANY, INC., THE — 2019
What RICHWOOD BANKING COMPANY, INC., THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 730,667,000 | 730,815,000 | 737,267,000 | 733,654,000 |
| Total loans | 488,398,000 | 502,976,000 | 503,586,000 | 511,962,000 |
| Allowance for loan losses | 2,273,000 | 2,473,000 | 2,712,000 | 3,063,000 |
| Securities available for sale | 149,390,000 | 147,017,000 | 143,899,000 | 141,829,000 |
| Securities held to maturity | 4,198,000 | 4,193,000 | 4,179,000 | 4,670,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 635,710,000 | 632,528,000 | 637,531,000 | 634,983,000 |
| Interest-bearing deposits | 600,954,000 | 584,528,000 | 590,893,000 | 586,970,000 |
| Noninterest-bearing deposits | 34,756,000 | 48,000,000 | 46,638,000 | 48,013,000 |
| Equity capital | 73,712,000 | 77,147,000 | 79,648,000 | 81,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 8,075,000 | 16,453,000 | 24,927,000 | 33,305,000 |
| Interest expense | 2,121,000 | 4,201,000 | 6,256,000 | 8,107,000 |
| Net interest income | 5,954,000 | 12,252,000 | 18,671,000 | 25,198,000 |
| Noninterest income | 844,000 | 1,814,000 | 2,904,000 | 4,060,000 |
| Noninterest expense | 4,641,000 | 9,428,000 | 14,369,000 | 19,827,000 |
| Provision for loan losses | 185,000 | 365,000 | 605,000 | 1,035,000 |
| Pretax income | 1,995,000 | 4,296,000 | 6,676,000 | 8,516,000 |
| Income tax | 257,000 | 626,000 | 1,001,000 | 1,271,000 |
| Net income | 1,738,000 | 3,670,000 | 5,675,000 | 7,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,136,000 | 65,119,000 | 67,173,000 | 68,793,000 |
| Total capital | 65,409,000 | 67,592,000 | 69,885,000 | 71,856,000 |
| Risk-weighted assets | 532,676,000 | 544,143,000 | 541,023,000 | 543,706,000 |