Call reports 2009
RIDGESTONE BANK — 2009
What RIDGESTONE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 452,925,000 | 484,857,000 | 572,663,000 | 466,879,000 |
| Total loans | 397,837,000 | 386,789,000 | 390,503,000 | 370,311,000 |
| Allowance for loan losses | 5,898,000 | 6,113,000 | 7,600,000 | 8,665,000 |
| Securities available for sale | 29,070,000 | 37,684,000 | 37,299,000 | 37,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 379,737,000 | 410,114,000 | 501,166,000 | 389,228,000 |
| Interest-bearing deposits | 268,389,000 | 275,892,000 | 477,063,000 | 365,639,000 |
| Noninterest-bearing deposits | 111,348,000 | 134,222,000 | 24,103,000 | 23,589,000 |
| Equity capital | 45,824,000 | 47,058,000 | 47,773,000 | 49,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,055,000 | 12,288,000 | 18,904,000 | 25,138,000 |
| Interest expense | 2,501,000 | 4,793,000 | 6,880,000 | 9,164,000 |
| Net interest income | 3,554,000 | 7,495,000 | 12,024,000 | 15,974,000 |
| Noninterest income | 832,000 | 4,286,000 | 7,772,000 | 11,615,000 |
| Noninterest expense | 2,315,000 | 5,052,000 | 8,015,000 | 11,046,000 |
| Provision for loan losses | 1,765,000 | 4,892,000 | 8,319,000 | 12,369,000 |
| Pretax income | 306,000 | 1,837,000 | 3,890,000 | 4,878,000 |
| Income tax | 115,000 | 712,000 | 1,518,000 | 1,884,000 |
| Net income | 191,000 | 1,125,000 | 2,372,000 | 2,994,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,192,000 | 39,887,000 | 40,952,000 | 41,675,000 |
| Total capital | 44,158,000 | 45,046,000 | 46,071,000 | 46,646,000 |
| Risk-weighted assets | 396,325,000 | 411,649,000 | 406,995,000 | 394,017,000 |