Call reports 2010
BLACK RIVER COUNTRY BANK — 2010
What BLACK RIVER COUNTRY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 69,444,000 | 70,241,000 | 71,565,000 | 69,592,000 |
| Total loans | 58,155,000 | 58,490,000 | 58,072,000 | 54,752,000 |
| Allowance for loan losses | 704,000 | 651,000 | 654,000 | 671,000 |
| Securities available for sale | 7,294,000 | 7,416,000 | 6,796,000 | 7,121,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,174,000 | 56,507,000 | 57,366,000 | 55,316,000 |
| Interest-bearing deposits | 48,699,000 | 49,981,000 | 50,320,000 | 47,985,000 |
| Noninterest-bearing deposits | 6,475,000 | 6,526,000 | 7,046,000 | 7,331,000 |
| Equity capital | 8,456,000 | 8,563,000 | 8,841,000 | 8,963,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 953,000 | 1,925,000 | 2,900,000 | 3,845,000 |
| Interest expense | 311,000 | 615,000 | 910,000 | 1,187,000 |
| Net interest income | 642,000 | 1,310,000 | 1,990,000 | 2,658,000 |
| Noninterest income | 34,000 | 83,000 | 154,000 | 242,000 |
| Noninterest expense | 400,000 | 786,000 | 1,191,000 | 1,650,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 261,000 | 577,000 | 908,000 | 1,190,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 4,000 |
| Net income | 260,000 | 575,000 | 905,000 | 1,186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,339,000 | 8,460,000 | 8,667,000 | 8,945,000 |
| Total capital | 8,956,000 | 9,082,000 | 9,317,000 | 9,559,000 |
| Risk-weighted assets | 49,265,000 | 49,746,000 | 51,967,000 | 49,057,000 |
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