Call reports 2012
REDWOOD CAPITAL BANK — 2012
What REDWOOD CAPITAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 236,668,000 | 240,510,000 | 246,393,000 | 241,538,000 |
| Total loans | 151,811,000 | 153,062,000 | 156,310,000 | 158,708,000 |
| Allowance for loan losses | 3,043,000 | 2,573,000 | 2,687,000 | 2,789,000 |
| Securities available for sale | 20,781,000 | 24,689,000 | 30,113,000 | 30,846,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,042,000 | 215,597,000 | 221,102,000 | 215,125,000 |
| Interest-bearing deposits | 174,375,000 | 169,275,000 | 172,205,000 | 174,109,000 |
| Noninterest-bearing deposits | 37,667,000 | 46,322,000 | 48,897,000 | 41,016,000 |
| Equity capital | 23,690,000 | 24,062,000 | 24,260,000 | 24,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,366,000 | 4,819,000 | 7,168,000 | 9,593,000 |
| Interest expense | 320,000 | 607,000 | 867,000 | 1,106,000 |
| Net interest income | 2,046,000 | 4,212,000 | 6,301,000 | 8,487,000 |
| Noninterest income | 234,000 | 501,000 | 822,000 | 1,278,000 |
| Noninterest expense | 1,597,000 | 3,125,000 | 4,643,000 | 6,215,000 |
| Provision for loan losses | 50,000 | 595,000 | 845,000 | 995,000 |
| Pretax income | 633,000 | 993,000 | 1,635,000 | 2,555,000 |
| Income tax | 277,000 | 375,000 | 613,000 | 997,000 |
| Net income | 356,000 | 618,000 | 1,022,000 | 1,558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,356,000 | 23,619,000 | 23,493,000 | 23,607,000 |
| Total capital | 25,314,000 | 25,591,000 | 25,483,000 | 25,612,000 |
| Risk-weighted assets | 155,316,000 | 157,164,000 | 158,456,000 | 160,582,000 |