Call reports 2015
BLACK RIVER COUNTRY BANK — 2015
What BLACK RIVER COUNTRY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 69,808,000 | 72,719,000 | 72,774,000 | 74,663,000 |
| Total loans | 54,865,000 | 57,364,000 | 58,370,000 | 56,778,000 |
| Allowance for loan losses | 956,000 | 970,000 | 684,000 | 697,000 |
| Securities available for sale | 4,538,000 | 4,113,000 | 4,143,000 | 4,320,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,096,000 | 59,886,000 | 59,632,000 | 63,187,000 |
| Interest-bearing deposits | 47,802,000 | 48,401,000 | 49,342,000 | 50,655,000 |
| Noninterest-bearing deposits | 12,294,000 | 11,485,000 | 10,290,000 | 12,532,000 |
| Equity capital | 9,647,000 | 9,640,000 | 9,897,000 | 9,400,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 746,000 | 1,480,000 | 2,244,000 | 3,101,000 |
| Interest expense | 88,000 | 173,000 | 267,000 | 364,000 |
| Net interest income | 658,000 | 1,307,000 | 1,977,000 | 2,737,000 |
| Noninterest income | 37,000 | 64,000 | 114,000 | 161,000 |
| Noninterest expense | 433,000 | 867,000 | 1,347,000 | 1,804,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 247,000 | 474,000 | 699,000 | 1,034,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 247,000 | 474,000 | 699,000 | 1,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,727,000 | 9,704,000 | 9,930,000 | 9,445,000 |
| Total capital | 10,298,000 | 10,320,000 | 10,547,000 | 10,050,000 |
| Risk-weighted assets | 45,301,000 | 48,958,000 | 49,314,000 | 48,332,000 |
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