Call reports 2006
BLACK RIVER COUNTRY BANK — 2006
What BLACK RIVER COUNTRY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 58,578,000 | 59,477,000 | 61,996,000 | 64,224,000 |
| Total loans | 44,250,000 | 45,029,000 | 47,637,000 | 48,437,000 |
| Allowance for loan losses | 630,000 | 636,000 | 639,000 | 641,000 |
| Securities available for sale | 10,168,000 | 10,127,000 | 10,250,000 | 8,156,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,567,000 | 51,005,000 | 51,279,000 | 54,179,000 |
| Interest-bearing deposits | 43,302,000 | 44,335,000 | 44,997,000 | 46,649,000 |
| Noninterest-bearing deposits | 7,265,000 | 6,670,000 | 6,282,000 | 7,530,000 |
| Equity capital | 7,150,000 | 7,274,000 | 6,969,000 | 7,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 830,000 | 1,692,000 | 2,603,000 | 3,571,000 |
| Interest expense | 298,000 | 628,000 | 1,010,000 | 1,442,000 |
| Net interest income | 532,000 | 1,064,000 | 1,593,000 | 2,129,000 |
| Noninterest income | 58,000 | 113,000 | 178,000 | 244,000 |
| Noninterest expense | 381,000 | 739,000 | 1,093,000 | 1,430,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 201,000 | 423,000 | 655,000 | 913,000 |
| Income tax | 62,000 | 133,000 | 212,000 | 292,000 |
| Net income | 139,000 | 290,000 | 443,000 | 621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,280,000 | 7,430,000 | 7,046,000 | 7,223,000 |
| Total capital | 7,788,000 | 7,952,000 | 7,599,000 | 7,788,000 |
| Risk-weighted assets | 40,485,000 | 41,647,000 | 44,158,000 | 45,086,000 |
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