Call reports 2005
RIDGESTONE BANK — 2005
What RIDGESTONE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 108,872,000 | 115,478,000 | 113,714,000 | 109,851,000 |
| Total loans | 80,531,000 | 85,286,000 | 83,867,000 | 81,093,000 |
| Allowance for loan losses | 810,000 | 549,000 | 669,000 | 744,000 |
| Securities available for sale | 21,032,000 | 21,135,000 | 20,255,000 | 19,328,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,663,000 | 90,554,000 | 91,994,000 | 87,064,000 |
| Interest-bearing deposits | 75,227,000 | 78,168,000 | 80,125,000 | 74,626,000 |
| Noninterest-bearing deposits | 10,436,000 | 12,386,000 | 11,869,000 | 12,438,000 |
| Equity capital | 8,936,000 | 9,325,000 | 9,395,000 | 9,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,458,000 | 3,035,000 | 4,705,000 | 6,379,000 |
| Interest expense | 537,000 | 1,147,000 | 1,834,000 | 2,548,000 |
| Net interest income | 921,000 | 1,888,000 | 2,871,000 | 3,831,000 |
| Noninterest income | 97,000 | 232,000 | 313,000 | 399,000 |
| Noninterest expense | 712,000 | 1,417,000 | 2,125,000 | 2,814,000 |
| Provision for loan losses | 60,000 | 155,000 | 230,000 | 305,000 |
| Pretax income | 246,000 | 548,000 | 829,000 | 1,111,000 |
| Income tax | 82,000 | 183,000 | 276,000 | 369,000 |
| Net income | 164,000 | 365,000 | 553,000 | 742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,213,000 | 9,414,000 | 9,602,000 | 9,791,000 |
| Total capital | 10,023,000 | 9,963,000 | 10,271,000 | 10,536,000 |
| Risk-weighted assets | 94,488,000 | 98,501,000 | 95,820,000 | 92,805,000 |
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