Call reports 2015
RIDGESTONE BANK — 2015
What RIDGESTONE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 398,451,000 | 423,387,000 | 423,688,000 | 422,706,000 |
| Total loans | 321,950,000 | 333,238,000 | 355,442,000 | 360,258,000 |
| Allowance for loan losses | 7,491,000 | 8,525,000 | 9,205,000 | 8,996,000 |
| Securities available for sale | 30,122,000 | 27,787,000 | 27,865,000 | 27,389,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,466,000 | 348,958,000 | 349,013,000 | 345,003,000 |
| Interest-bearing deposits | 296,239,000 | 308,212,000 | 310,501,000 | 309,439,000 |
| Noninterest-bearing deposits | 32,227,000 | 40,746,000 | 38,512,000 | 35,564,000 |
| Equity capital | 50,305,000 | 50,499,000 | 53,019,000 | 54,899,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,629,000 | 12,263,000 | 18,695,000 | 26,104,000 |
| Interest expense | 660,000 | 1,365,000 | 2,142,000 | 2,947,000 |
| Net interest income | 4,969,000 | 10,898,000 | 16,553,000 | 23,157,000 |
| Noninterest income | 7,049,000 | 14,849,000 | 21,661,000 | 30,172,000 |
| Noninterest expense | 6,482,000 | 17,116,000 | 23,531,000 | 30,504,000 |
| Provision for loan losses | 374,000 | 1,320,000 | 1,829,000 | 3,340,000 |
| Pretax income | 5,162,000 | 7,384,000 | 12,953,000 | 19,584,000 |
| Income tax | 2,085,000 | 3,043,000 | 5,334,000 | 8,049,000 |
| Net income | 3,077,000 | 4,341,000 | 7,619,000 | 11,535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,776,000 | 48,026,000 | 50,487,000 | 52,477,000 |
| Total capital | 51,934,000 | 52,262,000 | 55,296,000 | 57,462,000 |
| Risk-weighted assets | 328,328,000 | 333,469,000 | 379,363,000 | 393,855,000 |