Call reports 2013
BLACK RIVER COUNTRY BANK — 2013
What BLACK RIVER COUNTRY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 69,089,000 | 69,224,000 | 67,764,000 | 67,546,000 |
| Total loans | 52,047,000 | 51,495,000 | 51,958,000 | 51,723,000 |
| Allowance for loan losses | 841,000 | 857,000 | 874,000 | 878,000 |
| Securities available for sale | 4,255,000 | 5,191,000 | 5,378,000 | 5,193,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,054,000 | 57,378,000 | 55,972,000 | 56,656,000 |
| Interest-bearing deposits | 47,098,000 | 48,655,000 | 47,299,000 | 47,578,000 |
| Noninterest-bearing deposits | 9,956,000 | 8,723,000 | 8,673,000 | 9,078,000 |
| Equity capital | 9,462,000 | 9,248,000 | 9,380,000 | 9,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 771,000 | 1,535,000 | 2,297,000 | 3,051,000 |
| Interest expense | 124,000 | 246,000 | 365,000 | 471,000 |
| Net interest income | 647,000 | 1,289,000 | 1,932,000 | 2,580,000 |
| Noninterest income | 57,000 | 111,000 | 156,000 | 191,000 |
| Noninterest expense | 435,000 | 836,000 | 1,277,000 | 1,720,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 254,000 | 534,000 | 766,000 | 991,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 6,000 |
| Net income | 253,000 | 531,000 | 762,000 | 985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,502,000 | 9,537,000 | 9,647,000 | 9,775,000 |
| Total capital | 10,076,000 | 10,110,000 | 10,199,000 | 10,318,000 |
| Risk-weighted assets | 45,626,000 | 45,564,000 | 43,874,000 | 43,134,000 |
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