Call reports 2009
BUFFALO RIDGE BANK, THE — 2009
What BUFFALO RIDGE BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 34,085,000 | 34,449,000 | 34,952,000 | 38,891,000 |
| Total loans | 23,256,000 | 23,920,000 | 23,560,000 | 26,498,000 |
| Allowance for loan losses | 315,000 | 317,000 | 302,000 | 291,000 |
| Securities available for sale | 5,033,000 | 4,024,000 | 4,021,000 | 4,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,048,000 | 31,343,000 | 31,826,000 | 35,760,000 |
| Interest-bearing deposits | 24,995,000 | 25,811,000 | 26,272,000 | 25,845,000 |
| Noninterest-bearing deposits | 6,053,000 | 5,532,000 | 5,554,000 | 9,915,000 |
| Equity capital | 2,903,000 | 2,945,000 | 3,031,000 | 3,060,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 532,000 | 1,041,000 | 1,552,000 | 2,077,000 |
| Interest expense | 146,000 | 280,000 | 414,000 | 541,000 |
| Net interest income | 386,000 | 761,000 | 1,138,000 | 1,536,000 |
| Noninterest income | 26,000 | 55,000 | 68,000 | 91,000 |
| Noninterest expense | 211,000 | 432,000 | 662,000 | 979,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 26,000 |
| Pretax income | 201,000 | 384,000 | 534,000 | 622,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 201,000 | 384,000 | 534,000 | 622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,812,000 | 2,860,000 | 2,940,000 | 2,983,000 |
| Total capital | 3,127,000 | 3,177,000 | 3,242,000 | 3,274,000 |
| Risk-weighted assets | 26,743,000 | 27,269,000 | 26,960,000 | 30,461,000 |
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