Call reports 2002
BANK OF RIDGEWAY — 2002
What BANK OF RIDGEWAY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 78,539,000 | 79,340,000 | 84,813,000 | 88,424,000 |
| Total loans | 40,358,000 | 43,883,000 | 44,477,000 | 44,046,000 |
| Allowance for loan losses | 416,000 | 441,000 | 449,000 | 444,000 |
| Securities available for sale | 5,654,000 | 8,236,000 | 22,273,000 | 21,600,000 |
| Securities held to maturity | 19,005,000 | 15,891,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,718,000 | 66,533,000 | 67,419,000 | 70,919,000 |
| Interest-bearing deposits | 55,483,000 | 56,224,000 | 57,551,000 | 60,613,000 |
| Noninterest-bearing deposits | 10,235,000 | 10,309,000 | 9,868,000 | 10,306,000 |
| Equity capital | 8,808,000 | 5,458,000 | 13,018,000 | 13,233,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,179,000 | 2,335,000 | 1,183,000 | 2,267,000 |
| Interest expense | 346,000 | 661,000 | 305,000 | 566,000 |
| Net interest income | 833,000 | 1,674,000 | 878,000 | 1,701,000 |
| Noninterest income | 181,000 | 358,000 | 184,000 | 419,000 |
| Noninterest expense | 652,000 | 1,355,000 | 653,000 | 1,293,000 |
| Provision for loan losses | 21,000 | 72,000 | 21,000 | 52,000 |
| Pretax income | 341,000 | 605,000 | 388,000 | 649,000 |
| Income tax | 105,000 | 195,000 | 97,000 | 147,000 |
| Net income | 236,000 | 410,000 | 291,000 | 502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,471,000 | 5,075,000 | 5,895,000 | 6,168,000 |
| Total capital | 8,887,000 | 5,516,000 | 6,344,000 | 6,612,000 |
| Risk-weighted assets | 42,484,000 | 45,597,000 | 44,566,000 | 45,764,000 |