Call reports 2010
RIDGESTONE BANK — 2010
What RIDGESTONE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 481,714,000 | 470,248,000 | 464,977,000 | 454,952,000 |
| Total loans | 368,555,000 | 369,836,000 | 371,930,000 | 361,138,000 |
| Allowance for loan losses | 10,139,000 | 10,434,000 | 10,303,000 | 11,054,000 |
| Securities available for sale | 28,809,000 | 25,743,000 | 31,061,000 | 30,822,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 396,308,000 | 376,388,000 | 374,341,000 | 376,940,000 |
| Interest-bearing deposits | 373,086,000 | 354,610,000 | 350,688,000 | 348,737,000 |
| Noninterest-bearing deposits | 23,222,000 | 21,778,000 | 23,653,000 | 28,203,000 |
| Equity capital | 49,644,000 | 50,151,000 | 48,893,000 | 40,105,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,969,000 | 12,032,000 | 17,625,000 | 23,136,000 |
| Interest expense | 2,099,000 | 4,128,000 | 6,089,000 | 8,036,000 |
| Net interest income | 3,870,000 | 7,904,000 | 11,536,000 | 15,100,000 |
| Noninterest income | 1,762,000 | 7,130,000 | 9,074,000 | 11,449,000 |
| Noninterest expense | 2,801,000 | 5,971,000 | 9,490,000 | 19,304,000 |
| Provision for loan losses | 2,054,000 | 7,444,000 | 11,291,000 | 17,641,000 |
| Pretax income | 1,346,000 | 2,188,000 | 398,000 | -9,827,000 |
| Income tax | 660,000 | 996,000 | 279,000 | -1,404,000 |
| Net income | 686,000 | 1,192,000 | 119,000 | -8,423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,384,000 | 42,883,000 | 41,706,000 | 39,154,000 |
| Total capital | 47,282,000 | 47,696,000 | 46,451,000 | 43,763,000 |
| Risk-weighted assets | 386,542,000 | 379,668,000 | 374,064,000 | 364,934,000 |