Call reports 2008
RIDGESTONE BANK — 2008
What RIDGESTONE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 340,451,000 | 353,799,000 | 393,552,000 | 422,603,000 |
| Total loans | 268,118,000 | 306,013,000 | 337,199,000 | 383,743,000 |
| Allowance for loan losses | 4,252,000 | 4,158,000 | 4,577,000 | 4,957,000 |
| Securities available for sale | 19,344,000 | 18,075,000 | 17,363,000 | 16,379,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,720,000 | 290,781,000 | 326,899,000 | 351,033,000 |
| Interest-bearing deposits | 254,795,000 | 273,741,000 | 307,884,000 | 333,395,000 |
| Noninterest-bearing deposits | 23,925,000 | 17,040,000 | 19,015,000 | 17,638,000 |
| Equity capital | 35,024,000 | 37,727,000 | 39,899,000 | 43,020,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,647,000 | 11,438,000 | 17,478,000 | 23,405,000 |
| Interest expense | 2,945,000 | 5,578,000 | 8,524,000 | 11,417,000 |
| Net interest income | 2,702,000 | 5,860,000 | 8,954,000 | 11,988,000 |
| Noninterest income | 1,210,000 | 2,590,000 | 4,287,000 | 4,717,000 |
| Noninterest expense | 2,322,000 | 4,701,000 | 7,181,000 | 9,416,000 |
| Provision for loan losses | 705,000 | 1,415,000 | 2,670,000 | 3,420,000 |
| Pretax income | 885,000 | 2,334,000 | 3,390,000 | 3,869,000 |
| Income tax | 329,000 | 913,000 | 1,325,000 | 1,510,000 |
| Net income | 556,000 | 1,421,000 | 2,065,000 | 2,359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,318,000 | 31,231,000 | 33,370,000 | 36,608,000 |
| Total capital | 32,105,000 | 35,379,000 | 37,913,000 | 41,457,000 |
| Risk-weighted assets | 302,209,000 | 331,757,000 | 363,687,000 | 387,655,000 |
Machine access — free, no API key
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