Call reports 2004
BANK OF RIDGEWAY — 2004
What BANK OF RIDGEWAY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 90,591,000 | 89,734,000 | 89,190,000 | 91,203,000 |
| Total loans | 47,794,000 | 47,437,000 | 51,046,000 | 57,245,000 |
| Allowance for loan losses | 444,000 | 448,000 | 477,000 | 488,000 |
| Securities available for sale | 25,474,000 | 24,227,000 | 24,904,000 | 22,532,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,435,000 | 72,995,000 | 72,040,000 | 73,761,000 |
| Interest-bearing deposits | 61,818,000 | 61,387,000 | 60,937,000 | 62,134,000 |
| Noninterest-bearing deposits | 11,617,000 | 11,608,000 | 11,103,000 | 11,627,000 |
| Equity capital | 14,014,000 | 13,694,000 | 14,034,000 | 13,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 984,000 | 1,974,000 | 2,984,000 | 4,034,000 |
| Interest expense | 206,000 | 405,000 | 611,000 | 836,000 |
| Net interest income | 778,000 | 1,569,000 | 2,373,000 | 3,198,000 |
| Noninterest income | 219,000 | 424,000 | 623,000 | 826,000 |
| Noninterest expense | 711,000 | 1,421,000 | 2,098,000 | 2,760,000 |
| Provision for loan losses | 36,000 | 72,000 | 117,000 | 445,000 |
| Pretax income | 248,000 | 498,000 | 779,000 | 887,000 |
| Income tax | 80,000 | 164,000 | 260,000 | 305,000 |
| Net income | 168,000 | 334,000 | 519,000 | 582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,058,000 | 7,209,000 | 7,378,000 | 7,426,000 |
| Total capital | 7,502,000 | 7,657,000 | 7,855,000 | 7,914,000 |
| Risk-weighted assets | 50,220,000 | 50,373,000 | 52,538,000 | 57,291,000 |