Call reports 2012
BLACK RIVER COUNTRY BANK — 2012
What BLACK RIVER COUNTRY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 69,681,000 | 69,815,000 | 69,610,000 | 70,091,000 |
| Total loans | 54,203,000 | 55,469,000 | 53,915,000 | 53,375,000 |
| Allowance for loan losses | 778,000 | 789,000 | 802,000 | 826,000 |
| Securities available for sale | 7,467,000 | 5,984,000 | 5,985,000 | 5,784,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,749,000 | 56,851,000 | 57,728,000 | 58,046,000 |
| Interest-bearing deposits | 48,833,000 | 48,536,000 | 49,348,000 | 48,822,000 |
| Noninterest-bearing deposits | 7,916,000 | 8,315,000 | 8,380,000 | 9,224,000 |
| Equity capital | 9,080,000 | 9,090,000 | 9,249,000 | 9,468,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 858,000 | 1,714,000 | 2,549,000 | 3,356,000 |
| Interest expense | 206,000 | 400,000 | 584,000 | 727,000 |
| Net interest income | 652,000 | 1,314,000 | 1,965,000 | 2,629,000 |
| Noninterest income | 76,000 | 89,000 | 159,000 | 270,000 |
| Noninterest expense | 431,000 | 888,000 | 1,321,000 | 1,665,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 282,000 | 485,000 | 758,000 | 1,174,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 2,000 |
| Net income | 281,000 | 484,000 | 757,000 | 1,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,119,000 | 9,107,000 | 9,261,000 | 9,500,000 |
| Total capital | 9,734,000 | 9,733,000 | 9,875,000 | 10,092,000 |
| Risk-weighted assets | 49,019,000 | 49,912,000 | 48,912,000 | 47,088,000 |
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