Call reports 2004
RIDGESTONE BANK — 2004
What RIDGESTONE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 89,596,000 | 89,692,000 | 93,556,000 | 110,588,000 |
| Total loans | 73,230,000 | 72,796,000 | 79,457,000 | 79,387,000 |
| Allowance for loan losses | 730,000 | 700,000 | 700,000 | 750,000 |
| Securities available for sale | 3,950,000 | 5,006,000 | 2,009,000 | 22,020,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,882,000 | 74,869,000 | 77,060,000 | 91,775,000 |
| Interest-bearing deposits | 60,580,000 | 59,891,000 | 62,042,000 | 79,310,000 |
| Noninterest-bearing deposits | 14,302,000 | 14,978,000 | 15,018,000 | 12,465,000 |
| Equity capital | 8,664,000 | 8,795,000 | 8,915,000 | 9,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,100,000 | 2,141,000 | 3,278,000 | 4,492,000 |
| Interest expense | 300,000 | 600,000 | 908,000 | 1,265,000 |
| Net interest income | 800,000 | 1,541,000 | 2,370,000 | 3,227,000 |
| Noninterest income | 141,000 | 341,000 | 454,000 | 579,000 |
| Noninterest expense | 787,000 | 1,586,000 | 2,330,000 | 3,046,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 154,000 | 296,000 | 494,000 | 710,000 |
| Income tax | 48,000 | 92,000 | 174,000 | 255,000 |
| Net income | 106,000 | 204,000 | 320,000 | 455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,664,000 | 8,795,000 | 8,907,000 | 9,043,000 |
| Total capital | 9,394,000 | 9,495,000 | 9,607,000 | 9,793,000 |
| Risk-weighted assets | 84,880,000 | 85,780,000 | 91,695,000 | 95,281,000 |
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