Call reports 2005
BLACK RIVER COUNTRY BANK — 2005
What BLACK RIVER COUNTRY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 57,408,000 | 58,037,000 | 57,926,000 | 58,927,000 |
| Total loans | 41,900,000 | 43,335,000 | 42,951,000 | 44,296,000 |
| Allowance for loan losses | 618,000 | 624,000 | 628,000 | 635,000 |
| Securities available for sale | 11,305,000 | 10,435,000 | 10,466,000 | 10,311,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,509,000 | 49,945,000 | 50,508,000 | 50,696,000 |
| Interest-bearing deposits | 42,547,000 | 42,886,000 | 42,902,000 | 42,301,000 |
| Noninterest-bearing deposits | 6,962,000 | 7,059,000 | 7,606,000 | 8,395,000 |
| Equity capital | 6,736,000 | 6,979,000 | 7,080,000 | 7,208,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 786,000 | 1,577,000 | 2,388,000 | 3,208,000 |
| Interest expense | 239,000 | 493,000 | 764,000 | 1,040,000 |
| Net interest income | 547,000 | 1,084,000 | 1,624,000 | 2,168,000 |
| Noninterest income | 74,000 | 132,000 | 193,000 | 248,000 |
| Noninterest expense | 384,000 | 735,000 | 1,100,000 | 1,461,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 229,000 | 460,000 | 688,000 | 919,000 |
| Income tax | 77,000 | 151,000 | 219,000 | 290,000 |
| Net income | 152,000 | 309,000 | 469,000 | 629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,843,000 | 7,000,000 | 7,160,000 | 7,320,000 |
| Total capital | 7,323,000 | 7,496,000 | 7,656,000 | 7,828,000 |
| Risk-weighted assets | 38,228,000 | 39,516,000 | 39,564,000 | 40,529,000 |
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