Call reports 2020
RICHWOOD BANKING COMPANY, INC., THE — 2020
What RICHWOOD BANKING COMPANY, INC., THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 741,539,000 | 831,986,000 | 840,599,000 | 894,048,000 |
| Total loans | 534,812,000 | 598,515,000 | 613,102,000 | 596,581,000 |
| Allowance for loan losses | 4,515,000 | 5,038,000 | 5,606,000 | 7,166,000 |
| Securities available for sale | 130,240,000 | 123,741,000 | 117,674,000 | 154,518,000 |
| Securities held to maturity | 4,659,000 | 4,588,000 | 4,577,000 | 4,506,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 640,288,000 | 707,016,000 | 737,090,000 | 794,131,000 |
| Interest-bearing deposits | 600,107,000 | 650,511,000 | 681,089,000 | 729,034,000 |
| Noninterest-bearing deposits | 40,181,000 | 56,505,000 | 56,001,000 | 65,097,000 |
| Equity capital | 83,681,000 | 85,688,000 | 85,287,000 | 88,071,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 8,428,000 | 16,714,000 | 24,945,000 | 34,202,000 |
| Interest expense | 1,753,000 | 3,391,000 | 4,857,000 | 5,978,000 |
| Net interest income | 6,675,000 | 13,323,000 | 20,088,000 | 28,224,000 |
| Noninterest income | 1,045,000 | 2,323,000 | 4,073,000 | 5,610,000 |
| Noninterest expense | 4,898,000 | 10,247,000 | 15,838,000 | 21,804,000 |
| Provision for loan losses | 1,440,000 | 2,000,000 | 2,850,000 | 4,400,000 |
| Pretax income | 1,464,000 | 3,481,000 | 6,003,000 | 8,160,000 |
| Income tax | 227,000 | 522,000 | 980,000 | 1,283,000 |
| Net income | 1,237,000 | 2,959,000 | 5,023,000 | 6,877,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,079,000 | 71,851,000 | 72,165,000 | 74,068,000 |
| Total capital | 74,594,000 | 76,889,000 | 77,771,000 | 81,234,000 |
| Risk-weighted assets | 582,029,000 | 560,322,000 | 579,933,000 | 608,588,000 |