Call reports 2006
REDWOOD CAPITAL BANK — 2006
What REDWOOD CAPITAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 86,011,000 | 90,686,000 | 95,803,000 | 103,241,000 |
| Total loans | 61,292,000 | 66,905,000 | 68,582,000 | 75,636,000 |
| Allowance for loan losses | 732,000 | 810,000 | 865,000 | 918,000 |
| Securities available for sale | 13,438,000 | 13,245,000 | 12,245,000 | 9,680,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,505,000 | 82,010,000 | 86,570,000 | 91,757,000 |
| Interest-bearing deposits | 61,723,000 | 65,697,000 | 67,189,000 | 73,157,000 |
| Noninterest-bearing deposits | 15,782,000 | 16,313,000 | 19,381,000 | 18,600,000 |
| Equity capital | 8,124,000 | 8,276,000 | 8,648,000 | 8,917,000 |
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 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,386,000 | 2,913,000 | 4,557,000 | 6,276,000 |
| Interest expense | 382,000 | 844,000 | 1,372,000 | 1,957,000 |
| Net interest income | 1,004,000 | 2,069,000 | 3,185,000 | 4,319,000 |
| Noninterest income | 204,000 | 423,000 | 691,000 | 939,000 |
| Noninterest expense | 997,000 | 2,033,000 | 3,134,000 | 4,279,000 |
| Provision for loan losses | 40,000 | 110,000 | 175,000 | 228,000 |
| Pretax income | 171,000 | 349,000 | 567,000 | 751,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 171,000 | 348,000 | 566,000 | 750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,335,000 | 8,492,000 | 8,791,000 | 9,005,000 |
| Total capital | 9,100,000 | 9,302,000 | 9,691,000 | 9,958,000 |
| Risk-weighted assets | 66,467,000 | 71,368,000 | 74,795,000 | 81,525,000 |