Call reports 2001
BANK OF RIDGEWAY — 2001
What BANK OF RIDGEWAY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 74,099,000 | 75,822,000 | 76,629,000 | 79,340,000 |
| Total loans | 39,781,000 | 40,567,000 | 40,710,000 | 40,818,000 |
| Allowance for loan losses | 402,000 | 416,000 | 419,000 | 417,000 |
| Securities available for sale | 8,140,000 | 9,197,000 | 9,261,000 | 8,709,000 |
| Securities held to maturity | 15,197,000 | 15,394,000 | 17,962,000 | 19,352,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,013,000 | 64,314,000 | 64,904,000 | 67,362,000 |
| Interest-bearing deposits | 53,672,000 | 54,652,000 | 55,186,000 | 57,095,000 |
| Noninterest-bearing deposits | 9,341,000 | 9,662,000 | 9,718,000 | 10,267,000 |
| Equity capital | 8,133,000 | 8,275,000 | 8,586,000 | 8,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,327,000 | 2,683,000 | 3,987,000 | 5,229,000 |
| Interest expense | 597,000 | 1,169,000 | 1,688,000 | 2,113,000 |
| Net interest income | 730,000 | 1,514,000 | 2,299,000 | 3,116,000 |
| Noninterest income | 187,000 | 364,000 | 537,000 | 743,000 |
| Noninterest expense | 549,000 | 1,118,000 | 1,686,000 | 2,279,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 80,000 |
| Pretax income | 350,000 | 724,000 | 1,096,000 | 1,500,000 |
| Income tax | 99,000 | 203,000 | 305,000 | 413,000 |
| Net income | 251,000 | 521,000 | 791,000 | 1,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,757,000 | 7,877,000 | 8,158,000 | 8,304,000 |
| Total capital | 8,159,000 | 8,293,000 | 8,577,000 | 8,721,000 |
| Risk-weighted assets | 41,035,000 | 42,143,000 | 42,311,000 | 43,045,000 |