Call reports 2012
RIDGESTONE BANK — 2012
What RIDGESTONE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 425,888,000 | 423,345,000 | 394,551,000 | 400,342,000 |
| Total loans | 314,475,000 | 315,648,000 | 295,085,000 | 298,514,000 |
| Allowance for loan losses | 14,861,000 | 14,351,000 | 11,798,000 | 10,533,000 |
| Securities available for sale | 39,085,000 | 37,694,000 | 32,874,000 | 32,779,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,320,000 | 359,908,000 | 329,702,000 | 338,647,000 |
| Interest-bearing deposits | 338,718,000 | 334,365,000 | 304,852,000 | 311,893,000 |
| Noninterest-bearing deposits | 23,602,000 | 25,543,000 | 24,850,000 | 26,754,000 |
| Equity capital | 41,386,000 | 41,562,000 | 42,145,000 | 43,507,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,991,000 | 10,089,000 | 15,205,000 | 20,652,000 |
| Interest expense | 1,352,000 | 2,560,000 | 3,629,000 | 4,476,000 |
| Net interest income | 3,639,000 | 7,529,000 | 11,576,000 | 16,176,000 |
| Noninterest income | 3,182,000 | 5,553,000 | 10,369,000 | 14,960,000 |
| Noninterest expense | 4,281,000 | 8,662,000 | 14,020,000 | 19,272,000 |
| Provision for loan losses | 2,191,000 | 3,911,000 | 6,625,000 | 8,447,000 |
| Pretax income | 349,000 | 509,000 | 1,549,000 | 3,666,000 |
| Income tax | 134,000 | 196,000 | 604,000 | 1,435,000 |
| Net income | 215,000 | 313,000 | 945,000 | 2,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,344,000 | 40,482,000 | 41,038,000 | 42,276,000 |
| Total capital | 44,582,000 | 44,755,000 | 45,079,000 | 46,336,000 |
| Risk-weighted assets | 328,416,000 | 331,779,000 | 315,525,000 | 318,302,000 |