Call reports 2013
RIDGESTONE BANK — 2013
What RIDGESTONE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 395,803,000 | 387,616,000 | 393,517,000 | 388,729,000 |
| Total loans | 310,100,000 | 299,913,000 | 309,481,000 | 314,155,000 |
| Allowance for loan losses | 9,517,000 | 11,699,000 | 8,966,000 | 8,212,000 |
| Securities available for sale | 32,393,000 | 32,078,000 | 31,660,000 | 31,217,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,124,000 | 323,432,000 | 330,032,000 | 319,029,000 |
| Interest-bearing deposits | 307,033,000 | 296,687,000 | 297,449,000 | 288,803,000 |
| Noninterest-bearing deposits | 25,091,000 | 26,745,000 | 32,584,000 | 30,225,000 |
| Equity capital | 45,739,000 | 46,829,000 | 48,436,000 | 49,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,860,000 | 9,593,000 | 14,897,000 | 20,278,000 |
| Interest expense | 804,000 | 1,554,000 | 2,254,000 | 2,908,000 |
| Net interest income | 4,056,000 | 8,039,000 | 12,643,000 | 17,370,000 |
| Noninterest income | 5,152,000 | 11,374,000 | 14,522,000 | 19,468,000 |
| Noninterest expense | 4,360,000 | 9,204,000 | 13,893,000 | 19,513,000 |
| Provision for loan losses | 1,167,000 | 3,245,000 | 3,901,000 | 5,425,000 |
| Pretax income | 3,754,000 | 7,092,000 | 9,508,000 | 12,046,000 |
| Income tax | 1,475,000 | 2,789,000 | 3,738,000 | 4,742,000 |
| Net income | 2,279,000 | 4,303,000 | 5,770,000 | 7,304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,488,000 | 46,061,000 | 47,593,000 | 49,067,000 |
| Total capital | 48,651,000 | 50,182,000 | 51,683,000 | 53,105,000 |
| Risk-weighted assets | 327,727,000 | 322,114,000 | 322,316,000 | 318,902,000 |