Call reports 2014
RIDGESTONE BANK — 2014
What RIDGESTONE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 380,458,000 | 384,255,000 | 386,893,000 | 394,511,000 |
| Total loans | 301,789,000 | 312,738,000 | 306,334,000 | 316,228,000 |
| Allowance for loan losses | 9,424,000 | 8,466,000 | 8,538,000 | 7,363,000 |
| Securities available for sale | 29,949,000 | 29,926,000 | 29,712,000 | 29,926,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,930,000 | 318,500,000 | 316,233,000 | 327,432,000 |
| Interest-bearing deposits | 281,061,000 | 288,200,000 | 285,447,000 | 298,222,000 |
| Noninterest-bearing deposits | 29,869,000 | 30,300,000 | 30,785,000 | 29,210,000 |
| Equity capital | 52,857,000 | 48,510,000 | 51,590,000 | 47,742,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,088,000 | 10,445,000 | 16,177,000 | 22,054,000 |
| Interest expense | 611,000 | 1,220,000 | 1,863,000 | 2,508,000 |
| Net interest income | 4,477,000 | 9,225,000 | 14,314,000 | 19,546,000 |
| Noninterest income | 7,290,000 | 16,323,000 | 23,015,000 | 29,691,000 |
| Noninterest expense | 5,565,000 | 11,764,000 | 18,051,000 | 24,905,000 |
| Provision for loan losses | 1,717,000 | 3,128,000 | 3,505,000 | 4,536,000 |
| Pretax income | 4,485,000 | 10,656,000 | 15,773,000 | 19,796,000 |
| Income tax | 1,761,000 | 4,193,000 | 6,207,000 | 7,792,000 |
| Net income | 2,724,000 | 6,463,000 | 9,566,000 | 12,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,822,000 | 47,303,000 | 50,300,000 | 46,168,000 |
| Total capital | 55,699,000 | 51,242,000 | 54,343,000 | 50,293,000 |
| Risk-weighted assets | 304,633,000 | 310,567,000 | 318,981,000 | 326,800,000 |