Call reports 2003
RIDGESTONE BANK — 2003
What RIDGESTONE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 89,654,000 | 91,550,000 | 90,554,000 | 87,451,000 |
| Total loans | 79,896,000 | 81,278,000 | 75,893,000 | 75,777,000 |
| Allowance for loan losses | 766,000 | 810,000 | 689,000 | 730,000 |
| Securities available for sale | 0 | 0 | 500,000 | 0 |
| Securities held to maturity | 0 | 400,000 | 400,000 | 1,200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,630,000 | 77,070,000 | 76,005,000 | 72,722,000 |
| Interest-bearing deposits | 57,733,000 | 59,821,000 | 60,561,000 | 58,407,000 |
| Noninterest-bearing deposits | 14,897,000 | 17,249,000 | 15,444,000 | 14,315,000 |
| Equity capital | 7,462,000 | 8,198,000 | 8,379,000 | 8,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,248,000 | 2,524,000 | 3,733,000 | 4,896,000 |
| Interest expense | 379,000 | 730,000 | 1,063,000 | 1,384,000 |
| Net interest income | 869,000 | 1,794,000 | 2,670,000 | 3,512,000 |
| Noninterest income | 217,000 | 472,000 | 762,000 | 881,000 |
| Noninterest expense | 738,000 | 1,503,000 | 2,118,000 | 2,850,000 |
| Provision for loan losses | 30,000 | 75,000 | 348,000 | 393,000 |
| Pretax income | 318,000 | 688,000 | 966,000 | 1,150,000 |
| Income tax | 113,000 | 247,000 | 344,000 | 404,000 |
| Net income | 205,000 | 441,000 | 622,000 | 746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,462,000 | 8,198,000 | 8,379,000 | 8,503,000 |
| Total capital | 8,228,000 | 9,008,000 | 9,068,000 | 9,233,000 |
| Risk-weighted assets | 79,762,000 | 84,136,000 | 80,947,000 | 81,747,000 |
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