Call reports 2012
BUFFALO RIDGE BANK, THE — 2012
What BUFFALO RIDGE BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 42,152,000 | 42,495,000 | 45,424,000 | 49,153,000 |
| Total loans | 25,677,000 | 26,016,000 | 26,016,000 | 28,839,000 |
| Allowance for loan losses | 254,000 | 253,000 | 240,000 | 231,000 |
| Securities available for sale | 8,548,000 | 8,950,000 | 8,950,000 | 8,907,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,517,000 | 38,736,000 | 41,503,000 | 45,071,000 |
| Interest-bearing deposits | 29,505,000 | 29,124,000 | 29,666,000 | 29,099,000 |
| Noninterest-bearing deposits | 9,012,000 | 9,612,000 | 11,837,000 | 15,972,000 |
| Equity capital | 3,577,000 | 3,682,000 | 3,837,000 | 4,048,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 511,000 | 1,023,000 | 1,532,000 | 2,054,000 |
| Interest expense | 69,000 | 133,000 | 193,000 | 247,000 |
| Net interest income | 442,000 | 890,000 | 1,339,000 | 1,807,000 |
| Noninterest income | 30,000 | 52,000 | 76,000 | 110,000 |
| Noninterest expense | 233,000 | 459,000 | 694,000 | 964,000 |
| Provision for loan losses | 3,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 236,000 | 478,000 | 716,000 | 948,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 235,000 | 477,000 | 715,000 | 947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,360,000 | 3,440,000 | 3,575,000 | 3,804,000 |
| Total capital | 3,614,000 | 3,693,000 | 3,815,000 | 4,035,000 |
| Risk-weighted assets | 30,514,000 | 30,605,000 | 31,346,000 | 35,683,000 |