Call reports 2002
BLACK RIVER COUNTRY BANK — 2002
What BLACK RIVER COUNTRY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 53,184,000 | 54,434,000 | 54,077,000 | 55,995,000 |
| Total loans | 40,208,000 | 41,203,000 | 41,129,000 | 42,588,000 |
| Allowance for loan losses | 543,000 | 424,000 | 434,000 | 469,000 |
| Securities available for sale | 7,887,000 | 5,957,000 | 7,028,000 | 7,908,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,949,000 | 48,080,000 | 47,384,000 | 49,121,000 |
| Interest-bearing deposits | 42,208,000 | 42,796,000 | 42,212,000 | 43,202,000 |
| Noninterest-bearing deposits | 4,741,000 | 5,284,000 | 5,172,000 | 5,919,000 |
| Equity capital | 5,715,000 | 5,904,000 | 6,071,000 | 6,186,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 901,000 | 1,771,000 | 2,615,000 | 3,479,000 |
| Interest expense | 379,000 | 736,000 | 1,081,000 | 1,421,000 |
| Net interest income | 522,000 | 1,035,000 | 1,534,000 | 2,058,000 |
| Noninterest income | 49,000 | 96,000 | 142,000 | 185,000 |
| Noninterest expense | 363,000 | 716,000 | 1,077,000 | 1,460,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 68,000 |
| Pretax income | 193,000 | 385,000 | 554,000 | 715,000 |
| Income tax | 62,000 | 118,000 | 173,000 | 217,000 |
| Net income | 131,000 | 267,000 | 381,000 | 498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,686,000 | 5,822,000 | 5,937,000 | 6,053,000 |
| Total capital | 6,144,000 | 6,246,000 | 6,371,000 | 6,522,000 |
| Risk-weighted assets | 36,536,000 | 37,632,000 | 37,451,000 | 38,865,000 |
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