Call reports 2003
BLACK RIVER COUNTRY BANK — 2003
What BLACK RIVER COUNTRY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 56,240,000 | 59,316,000 | 59,212,000 | 60,086,000 |
| Total loans | 42,120,000 | 42,317,000 | 42,806,000 | 41,722,000 |
| Allowance for loan losses | 493,000 | 565,000 | 584,000 | 608,000 |
| Securities available for sale | 7,704,000 | 10,251,000 | 11,180,000 | 11,855,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,613,000 | 52,383,000 | 52,110,000 | 53,163,000 |
| Interest-bearing deposits | 44,402,000 | 46,423,000 | 45,102,000 | 46,720,000 |
| Noninterest-bearing deposits | 5,211,000 | 5,960,000 | 7,008,000 | 6,443,000 |
| Equity capital | 6,235,000 | 6,394,000 | 6,482,000 | 6,550,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 854,000 | 1,699,000 | 2,542,000 | 3,391,000 |
| Interest expense | 326,000 | 653,000 | 968,000 | 1,270,000 |
| Net interest income | 528,000 | 1,046,000 | 1,574,000 | 2,121,000 |
| Noninterest income | 58,000 | 106,000 | 152,000 | 201,000 |
| Noninterest expense | 395,000 | 766,000 | 1,131,000 | 1,506,000 |
| Provision for loan losses | 23,000 | 45,000 | 67,000 | 90,000 |
| Pretax income | 168,000 | 341,000 | 528,000 | 726,000 |
| Income tax | 49,000 | 102,000 | 160,000 | 222,000 |
| Net income | 119,000 | 239,000 | 368,000 | 504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,108,000 | 6,229,000 | 6,357,000 | 6,449,000 |
| Total capital | 6,588,000 | 6,717,000 | 6,856,000 | 6,940,000 |
| Risk-weighted assets | 38,349,000 | 38,958,000 | 39,833,000 | 39,159,000 |
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