Call reports 2014
BLACK RIVER COUNTRY BANK — 2014
What BLACK RIVER COUNTRY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 66,922,000 | 68,682,000 | 68,053,000 | 70,222,000 |
| Total loans | 51,255,000 | 52,543,000 | 53,078,000 | 55,255,000 |
| Allowance for loan losses | 892,000 | 908,000 | 923,000 | 933,000 |
| Securities available for sale | 5,276,000 | 5,066,000 | 5,067,000 | 5,071,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,197,000 | 57,979,000 | 56,790,000 | 60,468,000 |
| Interest-bearing deposits | 47,552,000 | 47,661,000 | 47,766,000 | 47,958,000 |
| Noninterest-bearing deposits | 8,645,000 | 10,318,000 | 9,024,000 | 12,510,000 |
| Equity capital | 9,393,000 | 9,388,000 | 9,511,000 | 9,702,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 724,000 | 1,422,000 | 2,148,000 | 2,882,000 |
| Interest expense | 104,000 | 203,000 | 301,000 | 390,000 |
| Net interest income | 620,000 | 1,219,000 | 1,847,000 | 2,492,000 |
| Noninterest income | 40,000 | 76,000 | 112,000 | 152,000 |
| Noninterest expense | 427,000 | 845,000 | 1,279,000 | 1,763,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 218,000 | 420,000 | 635,000 | 821,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 217,000 | 419,000 | 634,000 | 820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,607,000 | 9,706,000 | 9,827,000 | 9,776,000 |
| Total capital | 10,145,000 | 10,255,000 | 10,375,000 | 10,349,000 |
| Risk-weighted assets | 42,657,000 | 43,574,000 | 43,440,000 | 45,481,000 |
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