Call reports 2006
BANK OF RIDGEWAY — 2006
What BANK OF RIDGEWAY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 |
|---|---|---|---|
| Total assets | 106,672,000 | 105,522,000 | 110,960,000 |
| Total loans | 72,100,000 | 77,261,000 | 82,002,000 |
| Allowance for loan losses | 1,047,000 | 887,000 | 938,000 |
| Securities available for sale | 19,995,000 | 17,803,000 | 15,794,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 83,178,000 | 87,360,000 | 88,958,000 |
| Interest-bearing deposits | 68,932,000 | 73,848,000 | 74,522,000 |
| Noninterest-bearing deposits | 14,246,000 | 13,512,000 | 14,436,000 |
| Equity capital | 13,930,000 | 14,148,000 | 14,452,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 |
|---|---|---|---|
| Interest income | 1,422,000 | 3,099,000 | 4,910,000 |
| Interest expense | 452,000 | 1,021,000 | 1,648,000 |
| Net interest income | 970,000 | 2,078,000 | 3,262,000 |
| Noninterest income | 235,000 | 471,000 | 707,000 |
| Noninterest expense | 805,000 | 1,596,000 | 2,446,000 |
| Provision for loan losses | 90,000 | 160,000 | 220,000 |
| Pretax income | 311,000 | 794,000 | 1,304,000 |
| Income tax | 119,000 | 303,000 | 513,000 |
| Net income | 192,000 | 491,000 | 791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 |
|---|---|---|---|
| Tier 1 capital | 7,905,000 | 8,195,000 | 8,487,000 |
| Total capital | 8,783,000 | 9,082,000 | 9,425,000 |
| Risk-weighted assets | 70,107,000 | 73,648,000 | 79,667,000 |