Call reports 2011
RIDGESTONE BANK — 2011
What RIDGESTONE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 456,837,000 | 460,548,000 | 423,078,000 | 425,721,000 |
| Total loans | 379,273,000 | 345,164,000 | 311,260,000 | 321,460,000 |
| Allowance for loan losses | 11,552,000 | 11,900,000 | 12,256,000 | 12,979,000 |
| Securities available for sale | 33,476,000 | 32,371,000 | 38,524,000 | 38,964,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,149,000 | 395,360,000 | 357,603,000 | 361,484,000 |
| Interest-bearing deposits | 366,022,000 | 372,284,000 | 333,817,000 | 336,898,000 |
| Noninterest-bearing deposits | 24,127,000 | 23,076,000 | 23,786,000 | 24,586,000 |
| Equity capital | 42,059,000 | 42,711,000 | 42,435,000 | 41,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,507,000 | 11,572,000 | 16,880,000 | 22,014,000 |
| Interest expense | 1,746,000 | 3,439,000 | 5,073,000 | 6,483,000 |
| Net interest income | 3,761,000 | 8,133,000 | 11,807,000 | 15,531,000 |
| Noninterest income | 3,377,000 | 6,021,000 | 9,288,000 | 10,582,000 |
| Noninterest expense | 3,731,000 | 7,811,000 | 12,708,000 | 16,989,000 |
| Provision for loan losses | 163,000 | 2,364,000 | 4,881,000 | 7,325,000 |
| Pretax income | 3,244,000 | 3,979,000 | 3,506,000 | 1,799,000 |
| Income tax | 1,273,000 | 1,558,000 | 1,367,000 | 691,000 |
| Net income | 1,971,000 | 2,421,000 | 2,139,000 | 1,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,117,000 | 41,669,000 | 41,333,000 | 40,357,000 |
| Total capital | 45,736,000 | 46,130,000 | 45,629,000 | 44,617,000 |
| Risk-weighted assets | 364,592,000 | 348,964,000 | 335,773,000 | 332,081,000 |