Call reports 2004
BUFFALO RIDGE BANK, THE — 2004
What BUFFALO RIDGE BANK, THE 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 | 29,923,000 | 29,424,000 | 29,686,000 | 30,451,000 |
| Total loans | 18,543,000 | 19,827,000 | 20,216,000 | 21,290,000 |
| Allowance for loan losses | 230,000 | 237,000 | 246,000 | 243,000 |
| Securities available for sale | 6,122,000 | 6,082,000 | 6,160,000 | 6,116,000 |
| Securities held to maturity | 653,000 | 451,000 | 450,000 | 449,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,226,000 | 26,588,000 | 25,913,000 | 27,108,000 |
| Interest-bearing deposits | 22,967,000 | 22,580,000 | 21,884,000 | 22,405,000 |
| Noninterest-bearing deposits | 4,259,000 | 4,008,000 | 4,029,000 | 4,703,000 |
| Equity capital | 2,616,000 | 2,532,000 | 2,698,000 | 2,749,000 |
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 | 425,000 | 867,000 | 1,321,000 | 1,784,000 |
| Interest expense | 126,000 | 245,000 | 361,000 | 475,000 |
| Net interest income | 299,000 | 622,000 | 960,000 | 1,309,000 |
| Noninterest income | 24,000 | 51,000 | 75,000 | 98,000 |
| Noninterest expense | 197,000 | 399,000 | 606,000 | 877,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 120,000 | 262,000 | 411,000 | 506,000 |
| Income tax | 3,000 | 0 | 0 | 0 |
| Net income | 117,000 | 262,000 | 411,000 | 506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,573,000 | 2,624,000 | 2,717,000 | 2,810,000 |
| Total capital | 2,803,000 | 2,861,000 | 2,963,000 | 3,053,000 |
| Risk-weighted assets | 21,344,000 | 21,841,000 | 22,246,000 | 23,383,000 |
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