Call reports 2007
BUFFALO RIDGE BANK, THE — 2007
What BUFFALO RIDGE BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 32,083,000 | 33,250,000 | 32,419,000 | 33,212,000 |
| Total loans | 21,938,000 | 23,147,000 | 23,632,000 | 24,787,000 |
| Allowance for loan losses | 327,000 | 306,000 | 306,000 | 298,000 |
| Securities available for sale | 4,709,000 | 4,761,000 | 4,813,000 | 4,347,000 |
| Securities held to maturity | 387,000 | 386,000 | 385,000 | 385,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,287,000 | 30,420,000 | 29,432,000 | 30,140,000 |
| Interest-bearing deposits | 24,117,000 | 24,066,000 | 24,016,000 | 24,453,000 |
| Noninterest-bearing deposits | 5,170,000 | 6,354,000 | 5,416,000 | 5,687,000 |
| Equity capital | 2,667,000 | 2,699,000 | 2,851,000 | 2,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 547,000 | 1,103,000 | 1,654,000 | 2,214,000 |
| Interest expense | 188,000 | 389,000 | 593,000 | 797,000 |
| Net interest income | 359,000 | 714,000 | 1,061,000 | 1,417,000 |
| Noninterest income | 28,000 | 58,000 | 90,000 | 120,000 |
| Noninterest expense | 179,000 | 386,000 | 592,000 | 872,000 |
| Provision for loan losses | 9,000 | 9,000 | 9,000 | 9,000 |
| Pretax income | 199,000 | 377,000 | 550,000 | 656,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 198,000 | 376,000 | 549,000 | 655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,713,000 | 2,754,000 | 2,859,000 | 2,917,000 |
| Total capital | 3,023,000 | 3,060,000 | 3,165,000 | 3,215,000 |
| Risk-weighted assets | 24,748,000 | 25,765,000 | 26,159,000 | 27,869,000 |
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