Call reports 2010
BUFFALO RIDGE BANK, THE — 2010
What BUFFALO RIDGE BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 36,419,000 | 36,309,000 | 36,156,000 | 37,974,000 |
| Total loans | 24,113,000 | 24,998,000 | 23,663,000 | 25,330,000 |
| Allowance for loan losses | 281,000 | 285,000 | 294,000 | 267,000 |
| Securities available for sale | 4,443,000 | 4,484,000 | 4,495,000 | 4,437,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,433,000 | 33,217,000 | 32,934,000 | 34,785,000 |
| Interest-bearing deposits | 27,224,000 | 26,511,000 | 26,454,000 | 27,218,000 |
| Noninterest-bearing deposits | 6,209,000 | 6,706,000 | 6,480,000 | 7,567,000 |
| Equity capital | 2,917,000 | 3,024,000 | 3,152,000 | 3,128,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 506,000 | 1,022,000 | 1,542,000 | 2,034,000 |
| Interest expense | 115,000 | 229,000 | 339,000 | 445,000 |
| Net interest income | 391,000 | 793,000 | 1,203,000 | 1,589,000 |
| Noninterest income | 23,000 | 47,000 | 75,000 | 97,000 |
| Noninterest expense | 222,000 | 454,000 | 694,000 | 1,011,000 |
| Provision for loan losses | 10,000 | 10,000 | 17,000 | 23,000 |
| Pretax income | 182,000 | 376,000 | 567,000 | 652,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 181,000 | 375,000 | 566,000 | 651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,868,000 | 2,933,000 | 3,043,000 | 3,065,000 |
| Total capital | 3,149,000 | 3,218,000 | 3,337,000 | 3,332,000 |
| Risk-weighted assets | 28,197,000 | 28,321,000 | 27,084,000 | 29,342,000 |