Call reports 2008
BLACK RIVER COUNTRY BANK — 2008
What BLACK RIVER COUNTRY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 64,261,000 | 66,685,000 | 67,743,000 | 69,067,000 |
| Total loans | 53,001,000 | 54,176,000 | 56,468,000 | 57,107,000 |
| Allowance for loan losses | 598,000 | 606,000 | 592,000 | 552,000 |
| Securities available for sale | 7,434,000 | 7,344,000 | 7,358,000 | 7,506,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,585,000 | 54,945,000 | 51,858,000 | 55,170,000 |
| Interest-bearing deposits | 45,330,000 | 46,257,000 | 44,622,000 | 47,810,000 |
| Noninterest-bearing deposits | 8,255,000 | 8,688,000 | 7,236,000 | 7,360,000 |
| Equity capital | 7,882,000 | 7,944,000 | 8,180,000 | 8,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,059,000 | 2,089,000 | 3,136,000 | 4,172,000 |
| Interest expense | 452,000 | 867,000 | 1,266,000 | 1,681,000 |
| Net interest income | 607,000 | 1,222,000 | 1,870,000 | 2,491,000 |
| Noninterest income | 55,000 | 123,000 | 174,000 | 224,000 |
| Noninterest expense | 337,000 | 690,000 | 1,062,000 | 1,458,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 316,000 | 637,000 | 955,000 | 1,221,000 |
| Income tax | -6,000 | -12,000 | -18,000 | -23,000 |
| Net income | 322,000 | 649,000 | 973,000 | 1,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,723,000 | 7,910,000 | 8,133,000 | 8,404,000 |
| Total capital | 8,314,000 | 8,510,000 | 8,725,000 | 8,956,000 |
| Risk-weighted assets | 47,262,000 | 48,014,000 | 49,945,000 | 50,113,000 |
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