Call reports 2009
BLACK RIVER COUNTRY BANK — 2009
What BLACK RIVER COUNTRY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 68,436,000 | 70,207,000 | 70,962,000 | 71,796,000 |
| Total loans | 56,851,000 | 57,889,000 | 57,518,000 | 58,350,000 |
| Allowance for loan losses | 565,000 | 577,000 | 671,000 | 685,000 |
| Securities available for sale | 6,496,000 | 7,314,000 | 7,385,000 | 7,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,843,000 | 56,600,000 | 57,501,000 | 58,120,000 |
| Interest-bearing deposits | 48,355,000 | 49,024,000 | 49,898,000 | 50,186,000 |
| Noninterest-bearing deposits | 6,488,000 | 7,576,000 | 7,603,000 | 7,934,000 |
| Equity capital | 8,369,000 | 8,386,000 | 8,286,000 | 8,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,020,000 | 2,028,000 | 3,042,000 | 4,053,000 |
| Interest expense | 393,000 | 776,000 | 1,141,000 | 1,469,000 |
| Net interest income | 627,000 | 1,252,000 | 1,901,000 | 2,584,000 |
| Noninterest income | 68,000 | 128,000 | 207,000 | 265,000 |
| Noninterest expense | 382,000 | 808,000 | 1,232,000 | 1,676,000 |
| Provision for loan losses | 15,000 | 30,000 | 465,000 | 480,000 |
| Pretax income | 298,000 | 542,000 | 411,000 | 712,000 |
| Income tax | -2,000 | -1,000 | 1,000 | 2,000 |
| Net income | 300,000 | 543,000 | 410,000 | 710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,204,000 | 8,261,000 | 8,089,000 | 8,389,000 |
| Total capital | 8,769,000 | 8,838,000 | 8,709,000 | 9,015,000 |
| Risk-weighted assets | 49,655,000 | 50,214,000 | 49,563,000 | 50,004,000 |
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