Call reports 2005
BANK OF RIDGEWAY — 2005
What BANK OF RIDGEWAY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 93,138,000 | 93,875,000 | 98,427,000 | 100,303,000 |
| Total loans | 58,621,000 | 60,411,000 | 63,335,000 | 63,275,000 |
| Allowance for loan losses | 529,000 | 633,000 | 824,000 | 950,000 |
| Securities available for sale | 21,731,000 | 21,304,000 | 21,069,000 | 20,615,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,061,000 | 74,912,000 | 79,739,000 | 83,343,000 |
| Interest-bearing deposits | 62,747,000 | 63,361,000 | 67,162,000 | 69,083,000 |
| Noninterest-bearing deposits | 12,314,000 | 11,551,000 | 12,577,000 | 14,260,000 |
| Equity capital | 13,860,000 | 14,034,000 | 13,965,000 | 13,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,108,000 | 2,306,000 | 3,602,000 | 4,972,000 |
| Interest expense | 255,000 | 557,000 | 931,000 | 1,365,000 |
| Net interest income | 853,000 | 1,749,000 | 2,671,000 | 3,607,000 |
| Noninterest income | 195,000 | 405,000 | 638,000 | 941,000 |
| Noninterest expense | 752,000 | 1,423,000 | 2,204,000 | 3,094,000 |
| Provision for loan losses | 45,000 | 150,000 | 345,000 | 497,000 |
| Pretax income | 251,000 | 581,000 | 760,000 | 958,000 |
| Income tax | 94,000 | 215,000 | 285,000 | 366,000 |
| Net income | 157,000 | 366,000 | 475,000 | 592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,571,000 | 7,769,000 | 7,766,000 | 7,721,000 |
| Total capital | 8,100,000 | 8,402,000 | 8,553,000 | 8,501,000 |
| Risk-weighted assets | 58,871,000 | 60,139,000 | 62,895,000 | 62,209,000 |