Call reports 2011
BLACK RIVER COUNTRY BANK — 2011
What BLACK RIVER COUNTRY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 69,414,000 | 70,585,000 | 70,029,000 | 70,923,000 |
| Total loans | 55,472,000 | 56,224,000 | 56,468,000 | 54,152,000 |
| Allowance for loan losses | 688,000 | 773,000 | 751,000 | 765,000 |
| Securities available for sale | 8,085,000 | 8,035,000 | 7,100,000 | 7,204,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,019,000 | 56,265,000 | 57,005,000 | 57,890,000 |
| Interest-bearing deposits | 47,994,000 | 48,045,000 | 48,091,000 | 49,157,000 |
| Noninterest-bearing deposits | 7,025,000 | 8,220,000 | 8,914,000 | 8,733,000 |
| Equity capital | 8,809,000 | 8,932,000 | 9,082,000 | 9,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 882,000 | 1,786,000 | 2,707,000 | 3,601,000 |
| Interest expense | 255,000 | 498,000 | 734,000 | 955,000 |
| Net interest income | 627,000 | 1,288,000 | 1,973,000 | 2,646,000 |
| Noninterest income | 50,000 | 97,000 | 142,000 | 209,000 |
| Noninterest expense | 429,000 | 854,000 | 1,281,000 | 1,723,000 |
| Provision for loan losses | 15,000 | 100,000 | 115,000 | 130,000 |
| Pretax income | 233,000 | 431,000 | 719,000 | 1,002,000 |
| Income tax | 1,000 | 4,000 | 7,000 | 10,000 |
| Net income | 232,000 | 427,000 | 712,000 | 992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,763,000 | 8,797,000 | 8,922,000 | 9,028,000 |
| Total capital | 9,381,000 | 9,424,000 | 9,551,000 | 9,646,000 |
| Risk-weighted assets | 49,400,000 | 50,011,000 | 50,201,000 | 49,327,000 |
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