Call reports 2021
RICHWOOD BANKING COMPANY, INC., THE — 2021
What RICHWOOD BANKING COMPANY, INC., THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,055,490,000 | 1,052,025,000 | 1,081,533,000 | 980,425,000 |
| Total loans | 605,668,000 | 615,655,000 | 603,894,000 | 590,554,000 |
| Allowance for loan losses | 7,563,000 | 7,813,000 | 8,160,000 | 8,283,000 |
| Securities available for sale | 299,975,000 | 311,720,000 | 323,435,000 | 317,818,000 |
| Securities held to maturity | 3,945,000 | 3,935,000 | 4,151,000 | 4,138,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 959,500,000 | 951,850,000 | 979,959,000 | 876,693,000 |
| Interest-bearing deposits | 876,790,000 | 873,141,000 | 905,647,000 | 803,380,000 |
| Noninterest-bearing deposits | 82,710,000 | 78,709,000 | 74,312,000 | 73,313,000 |
| Equity capital | 84,510,000 | 90,041,000 | 92,020,000 | 94,694,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 8,845,000 | 17,861,000 | 28,689,000 | 37,875,000 |
| Interest expense | 1,079,000 | 2,102,000 | 2,987,000 | 3,699,000 |
| Net interest income | 7,766,000 | 15,759,000 | 25,702,000 | 34,176,000 |
| Noninterest income | 1,519,000 | 3,121,000 | 4,657,000 | 6,511,000 |
| Noninterest expense | 5,666,000 | 11,643,000 | 18,010,000 | 24,711,000 |
| Provision for loan losses | 375,000 | 750,000 | 1,075,000 | 1,200,000 |
| Pretax income | 3,360,000 | 6,603,000 | 11,372,000 | 14,874,000 |
| Income tax | 510,000 | 1,030,000 | 1,865,000 | 2,535,000 |
| Net income | 2,850,000 | 5,573,000 | 9,507,000 | 12,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,968,000 | 79,741,000 | 83,724,000 | 86,607,000 |
| Total capital | 84,531,000 | 87,554,000 | 91,884,000 | 94,790,000 |
| Risk-weighted assets | 650,200,000 | 641,828,000 | 687,222,000 | 654,570,000 |