Call reports 2006
RIDGESTONE BANK — 2006
What RIDGESTONE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 103,000,000 | 97,044,000 | 111,785,000 | 130,434,000 |
| Total loans | 74,234,000 | 71,367,000 | 71,712,000 | 102,000,000 |
| Allowance for loan losses | 820,000 | 897,000 | 1,600,000 | 2,095,000 |
| Securities available for sale | 18,594,000 | 17,495,000 | 17,380,000 | 6,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,946,000 | 75,924,000 | 73,722,000 | 91,373,000 |
| Interest-bearing deposits | 72,347,000 | 66,264,000 | 63,263,000 | 78,624,000 |
| Noninterest-bearing deposits | 11,599,000 | 9,660,000 | 10,459,000 | 12,749,000 |
| Equity capital | 9,580,000 | 9,514,000 | 29,532,000 | 29,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,572,000 | 3,068,000 | 230,000 | 2,258,000 |
| Interest expense | 740,000 | 1,477,000 | 115,000 | 921,000 |
| Net interest income | 832,000 | 1,591,000 | 115,000 | 1,337,000 |
| Noninterest income | 70,000 | 149,000 | 16,000 | 431,000 |
| Noninterest expense | 663,000 | 1,344,000 | 245,000 | 2,114,000 |
| Provision for loan losses | 75,000 | 125,000 | 0 | 500,000 |
| Pretax income | 164,000 | 271,000 | -114,000 | -827,000 |
| Income tax | 47,000 | 71,000 | -56,000 | -444,000 |
| Net income | 117,000 | 200,000 | -58,000 | -383,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,922,000 | 10,015,000 | 24,282,000 | 22,283,000 |
| Total capital | 10,742,000 | 10,912,000 | 25,423,000 | 24,378,000 |
| Risk-weighted assets | 85,583,000 | 82,307,000 | 90,848,000 | 128,772,000 |
Machine access — free, no API key
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