Call reports 2025
RICHWOOD BANKING COMPANY, INC., THE — 2025
What RICHWOOD BANKING COMPANY, INC., THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,253,300,000 | 1,227,009,000 | 1,241,743,000 | 1,235,216,000 |
| Total loans | 817,152,000 | 840,694,000 | 864,797,000 | 857,699,000 |
| Allowance for loan losses | 7,855,000 | 8,109,000 | 8,246,000 | 8,808,000 |
| Securities available for sale | 266,796,000 | 266,620,000 | 258,429,000 | 264,599,000 |
| Securities held to maturity | 3,730,000 | 3,717,000 | 3,700,000 | 3,462,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,131,367,000 | 1,065,539,000 | 1,072,502,000 | 1,035,231,000 |
| Interest-bearing deposits | 1,038,629,000 | 971,100,000 | 979,908,000 | 929,981,000 |
| Noninterest-bearing deposits | 92,738,000 | 94,439,000 | 92,594,000 | 105,250,000 |
| Equity capital | 92,438,000 | 96,658,000 | 113,220,000 | 118,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 14,846,000 | 30,175,000 | 46,500,000 | 62,996,000 |
| Interest expense | 4,337,000 | 8,625,000 | 13,234,000 | 17,330,000 |
| Net interest income | 10,509,000 | 21,550,000 | 33,266,000 | 45,666,000 |
| Noninterest income | 1,542,000 | 3,155,000 | 16,221,000 | 17,806,000 |
| Noninterest expense | 8,342,000 | 16,512,000 | 25,348,000 | 35,750,000 |
| Provision for loan losses | -1,000 | 266,000 | 443,000 | 1,025,000 |
| Pretax income | 3,734,000 | 7,921,000 | 13,506,000 | 16,362,000 |
| Income tax | 694,000 | 1,520,000 | 2,522,000 | 2,839,000 |
| Net income | 3,040,000 | 6,401,000 | 10,984,000 | 13,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 120,376,000 | 123,856,000 | 128,557,000 | 131,117,000 |
| Total capital | 128,177,000 | 131,941,000 | 136,828,000 | 139,889,000 |
| Risk-weighted assets | 905,905,000 | 928,638,000 | 965,294,000 | 960,069,000 |