Call reports 2007
RIDGESTONE BANK — 2007
What RIDGESTONE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 171,258,000 | 210,901,000 | 240,210,000 | 294,159,000 |
| Total loans | 134,398,000 | 182,098,000 | 216,861,000 | 263,594,000 |
| Allowance for loan losses | 1,951,000 | 2,650,000 | 3,326,000 | 3,876,000 |
| Securities available for sale | 6,681,000 | 6,326,000 | 6,108,000 | 5,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,636,000 | 172,900,000 | 187,265,000 | 244,227,000 |
| Interest-bearing deposits | 120,534,000 | 157,663,000 | 171,580,000 | 226,957,000 |
| Noninterest-bearing deposits | 13,102,000 | 15,237,000 | 15,685,000 | 17,270,000 |
| Equity capital | 29,668,000 | 29,733,000 | 30,006,000 | 34,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,784,000 | 7,062,000 | 11,007,000 | 16,292,000 |
| Interest expense | 1,256,000 | 3,208,000 | 5,480,000 | 8,244,000 |
| Net interest income | 1,528,000 | 3,854,000 | 5,527,000 | 8,048,000 |
| Noninterest income | 280,000 | 505,000 | 1,540,000 | 3,563,000 |
| Noninterest expense | 1,711,000 | 3,592,000 | 5,283,000 | 7,536,000 |
| Provision for loan losses | 100,000 | 575,000 | 1,250,000 | 1,800,000 |
| Pretax income | -3,000 | 192,000 | 534,000 | 2,275,000 |
| Income tax | -58,000 | -21,000 | 82,000 | 742,000 |
| Net income | 55,000 | 213,000 | 452,000 | 1,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,394,000 | 22,893,000 | 23,185,000 | 27,474,000 |
| Total capital | 24,345,000 | 25,512,000 | 26,249,000 | 31,098,000 |
| Risk-weighted assets | 162,515,000 | 209,460,000 | 244,820,000 | 289,675,000 |
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