Call reports 2022
RICHWOOD BANKING COMPANY, INC., THE — 2022
What RICHWOOD BANKING COMPANY, INC., THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,063,035,000 | 1,005,399,000 | 1,047,303,000 | 1,112,249,000 |
| Total loans | 578,683,000 | 606,430,000 | 674,991,000 | 733,818,000 |
| Allowance for loan losses | 8,027,000 | 7,897,000 | 7,835,000 | 5,843,000 |
| Securities available for sale | 317,619,000 | 311,150,000 | 284,414,000 | 285,677,000 |
| Securities held to maturity | 4,126,000 | 4,115,000 | 4,103,000 | 4,091,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 973,911,000 | 926,427,000 | 973,079,000 | 997,962,000 |
| Interest-bearing deposits | 899,610,000 | 850,917,000 | 897,390,000 | 917,389,000 |
| Noninterest-bearing deposits | 74,301,000 | 75,510,000 | 75,689,000 | 80,573,000 |
| Equity capital | 78,399,000 | 67,002,000 | 54,173,000 | 62,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 8,724,000 | 18,225,000 | 28,417,000 | 39,705,000 |
| Interest expense | 642,000 | 1,295,000 | 2,153,000 | 3,936,000 |
| Net interest income | 8,082,000 | 16,930,000 | 26,264,000 | 35,769,000 |
| Noninterest income | 1,358,000 | 2,815,000 | 4,347,000 | 5,782,000 |
| Noninterest expense | 6,971,000 | 13,965,000 | 21,455,000 | 30,220,000 |
| Provision for loan losses | -250,000 | -350,000 | -350,000 | -1,915,000 |
| Pretax income | 2,719,000 | 6,108,000 | 9,484,000 | 13,224,000 |
| Income tax | 385,000 | 860,000 | 1,550,000 | 2,178,000 |
| Net income | 2,334,000 | 5,248,000 | 7,934,000 | 11,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,991,000 | 91,954,000 | 94,690,000 | 98,082,000 |
| Total capital | 97,018,000 | 99,851,000 | 102,525,000 | 103,925,000 |
| Risk-weighted assets | 650,911,000 | 711,263,000 | 765,310,000 | 836,892,000 |