Call reports 2016
BLACK RIVER COUNTRY BANK — 2016
What BLACK RIVER COUNTRY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 73,124,000 | 73,330,000 | 74,169,000 | 76,106,000 |
| Total loans | 57,394,000 | 58,608,000 | 59,550,000 | 61,850,000 |
| Allowance for loan losses | 708,000 | 729,000 | 744,000 | 759,000 |
| Securities available for sale | 5,710,000 | 5,546,000 | 5,429,000 | 5,858,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,338,000 | 60,643,000 | 60,071,000 | 62,063,000 |
| Interest-bearing deposits | 50,120,000 | 49,436,000 | 48,399,000 | 49,000,000 |
| Noninterest-bearing deposits | 11,218,000 | 11,207,000 | 11,672,000 | 13,063,000 |
| Equity capital | 9,695,000 | 9,726,000 | 9,865,000 | 9,285,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 749,000 | 1,513,000 | 2,305,000 | 3,089,000 |
| Interest expense | 100,000 | 198,000 | 303,000 | 403,000 |
| Net interest income | 649,000 | 1,315,000 | 2,002,000 | 2,686,000 |
| Noninterest income | 47,000 | 103,000 | 164,000 | 227,000 |
| Noninterest expense | 405,000 | 888,000 | 1,335,000 | 1,858,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 276,000 | 499,000 | 787,000 | 996,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 276,000 | 499,000 | 787,000 | 996,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,721,000 | 9,735,000 | 9,883,000 | 9,456,000 |
| Total capital | 10,336,000 | 10,366,000 | 10,521,000 | 10,123,000 |
| Risk-weighted assets | 49,163,000 | 50,401,000 | 50,994,000 | 53,307,000 |
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