Call reports 2007
BLACK RIVER COUNTRY BANK — 2007
What BLACK RIVER COUNTRY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 62,750,000 | 62,168,000 | 63,403,000 | 64,816,000 |
| Total loans | 47,842,000 | 50,672,000 | 52,047,000 | 53,766,000 |
| Allowance for loan losses | 644,000 | 651,000 | 659,000 | 587,000 |
| Securities available for sale | 8,176,000 | 7,647,000 | 6,728,000 | 6,826,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,660,000 | 52,127,000 | 51,987,000 | 54,158,000 |
| Interest-bearing deposits | 46,421,000 | 44,242,000 | 45,381,000 | 45,848,000 |
| Noninterest-bearing deposits | 6,239,000 | 7,885,000 | 6,606,000 | 8,310,000 |
| Equity capital | 7,188,000 | 7,195,000 | 7,430,000 | 7,701,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 978,000 | 1,960,000 | 2,988,000 | 4,041,000 |
| Interest expense | 452,000 | 888,000 | 1,351,000 | 1,818,000 |
| Net interest income | 526,000 | 1,072,000 | 1,637,000 | 2,223,000 |
| Noninterest income | 67,000 | 124,000 | 182,000 | 234,000 |
| Noninterest expense | 374,000 | 744,000 | 1,108,000 | 1,508,000 |
| Provision for loan losses | 8,000 | 15,000 | 24,000 | 33,000 |
| Pretax income | 211,000 | 437,000 | 687,000 | 916,000 |
| Income tax | 70,000 | 91,000 | 111,000 | 132,000 |
| Net income | 141,000 | 346,000 | 576,000 | 784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,252,000 | 7,288,000 | 7,442,000 | 7,651,000 |
| Total capital | 7,809,000 | 7,874,000 | 8,044,000 | 8,238,000 |
| Risk-weighted assets | 44,477,000 | 46,805,000 | 48,125,000 | 49,426,000 |
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