Call reports 2008
BUFFALO RIDGE BANK, THE — 2008
What BUFFALO RIDGE BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 34,581,000 | 34,050,000 | 33,704,000 | 36,427,000 |
| Total loans | 23,410,000 | 23,844,000 | 24,114,000 | 26,760,000 |
| Allowance for loan losses | 295,000 | 297,000 | 307,000 | 307,000 |
| Securities available for sale | 4,281,000 | 4,835,000 | 5,351,000 | 5,316,000 |
| Securities held to maturity | 335,000 | 35,000 | 35,000 | 35,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,661,000 | 31,090,000 | 29,825,000 | 31,346,000 |
| Interest-bearing deposits | 25,923,000 | 25,264,000 | 24,258,000 | 24,005,000 |
| Noninterest-bearing deposits | 5,738,000 | 5,826,000 | 5,567,000 | 7,341,000 |
| Equity capital | 2,771,000 | 2,813,000 | 2,936,000 | 3,108,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 579,000 | 1,141,000 | 1,689,000 | 2,245,000 |
| Interest expense | 210,000 | 400,000 | 577,000 | 743,000 |
| Net interest income | 369,000 | 741,000 | 1,112,000 | 1,502,000 |
| Noninterest income | 27,000 | 60,000 | 98,000 | 122,000 |
| Noninterest expense | 211,000 | 402,000 | 621,000 | 906,000 |
| Provision for loan losses | 0 | 0 | 0 | 37,000 |
| Pretax income | 185,000 | 399,000 | 589,000 | 681,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 185,000 | 399,000 | 589,000 | 681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,730,000 | 2,814,000 | 2,926,000 | 2,982,000 |
| Total capital | 3,025,000 | 3,111,000 | 3,233,000 | 3,289,000 |
| Risk-weighted assets | 26,796,000 | 26,805,000 | 26,686,000 | 29,637,000 |
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