Call reports 2005
BUFFALO RIDGE BANK, THE — 2005
What BUFFALO RIDGE BANK, THE 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 | 29,953,000 | 30,509,000 | 30,191,000 | 30,710,000 |
| Total loans | 19,921,000 | 21,456,000 | 21,506,000 | 22,019,000 |
| Allowance for loan losses | 240,000 | 209,000 | 220,000 | 230,000 |
| Securities available for sale | 6,044,000 | 5,852,000 | 5,823,000 | 5,346,000 |
| Securities held to maturity | 397,000 | 395,000 | 394,000 | 392,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,401,000 | 27,849,000 | 26,635,000 | 27,907,000 |
| Interest-bearing deposits | 22,615,000 | 23,144,000 | 22,466,000 | 22,830,000 |
| Noninterest-bearing deposits | 4,786,000 | 4,705,000 | 4,169,000 | 5,077,000 |
| Equity capital | 2,484,000 | 2,588,000 | 2,646,000 | 2,726,000 |
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 | 465,000 | 937,000 | 1,422,000 | 1,917,000 |
| Interest expense | 116,000 | 238,000 | 378,000 | 520,000 |
| Net interest income | 349,000 | 699,000 | 1,044,000 | 1,397,000 |
| Noninterest income | 21,000 | 45,000 | 74,000 | 102,000 |
| Noninterest expense | 207,000 | 415,000 | 630,000 | 879,000 |
| Provision for loan losses | 6,000 | 15,000 | 24,000 | 43,000 |
| Pretax income | 157,000 | 314,000 | 464,000 | 577,000 |
| Income tax | -2,000 | -2,000 | -2,000 | -2,000 |
| Net income | 159,000 | 316,000 | 466,000 | 579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,616,000 | 2,664,000 | 2,749,000 | 2,842,000 |
| Total capital | 2,856,000 | 2,873,000 | 2,969,000 | 3,072,000 |
| Risk-weighted assets | 22,528,000 | 23,424,000 | 23,675,000 | 24,314,000 |
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