Call reports 2004
BLACK RIVER COUNTRY BANK — 2004
What BLACK RIVER COUNTRY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 57,518,000 | 59,238,000 | 58,453,000 | 57,471,000 |
| Total loans | 42,340,000 | 41,530,000 | 42,460,000 | 41,608,000 |
| Allowance for loan losses | 588,000 | 593,000 | 602,000 | 609,000 |
| Securities available for sale | 9,872,000 | 10,279,000 | 11,357,000 | 11,233,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,423,000 | 52,386,000 | 50,148,000 | 50,249,000 |
| Interest-bearing deposits | 45,118,000 | 46,221,000 | 43,990,000 | 44,102,000 |
| Noninterest-bearing deposits | 5,305,000 | 6,165,000 | 6,158,000 | 6,147,000 |
| Equity capital | 6,562,000 | 6,567,000 | 6,787,000 | 6,888,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 814,000 | 1,604,000 | 2,402,000 | 3,195,000 |
| Interest expense | 286,000 | 555,000 | 814,000 | 1,064,000 |
| Net interest income | 528,000 | 1,049,000 | 1,588,000 | 2,131,000 |
| Noninterest income | 55,000 | 106,000 | 157,000 | 194,000 |
| Noninterest expense | 408,000 | 781,000 | 1,148,000 | 1,512,000 |
| Provision for loan losses | 7,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 168,000 | 359,000 | 574,000 | 783,000 |
| Income tax | 49,000 | 99,000 | 168,000 | 226,000 |
| Net income | 119,000 | 260,000 | 406,000 | 557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,442,000 | 6,583,000 | 6,729,000 | 6,880,000 |
| Total capital | 6,928,000 | 7,066,000 | 7,218,000 | 7,357,000 |
| Risk-weighted assets | 38,792,000 | 38,556,000 | 39,009,000 | 38,052,000 |
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