Call reports 2017
BLACK RIVER COUNTRY BANK — 2017
What BLACK RIVER COUNTRY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 76,148,000 | 74,401,000 | 77,338,000 | 76,672,000 |
| Total loans | 61,269,000 | 61,737,000 | 65,457,000 | 64,416,000 |
| Allowance for loan losses | 774,000 | 789,000 | 791,000 | 806,000 |
| Securities available for sale | 5,792,000 | 5,674,000 | 5,555,000 | 5,202,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,690,000 | 60,645,000 | 62,367,000 | 64,982,000 |
| Interest-bearing deposits | 51,656,000 | 48,715,000 | 49,941,000 | 49,484,000 |
| Noninterest-bearing deposits | 11,034,000 | 11,930,000 | 12,426,000 | 15,498,000 |
| Equity capital | 9,381,000 | 9,474,000 | 9,653,000 | 8,628,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 786,000 | 1,582,000 | 2,403,000 | 3,248,000 |
| Interest expense | 100,000 | 209,000 | 322,000 | 439,000 |
| Net interest income | 686,000 | 1,373,000 | 2,081,000 | 2,809,000 |
| Noninterest income | 54,000 | 107,000 | 154,000 | 204,000 |
| Noninterest expense | 445,000 | 907,000 | 1,349,000 | 1,897,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 280,000 | 541,000 | 839,000 | 1,053,000 |
| Income tax | 2,000 | 4,000 | 4,000 | 4,000 |
| Net income | 278,000 | 537,000 | 835,000 | 1,049,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,524,000 | 9,545,000 | 9,724,000 | 8,759,000 |
| Total capital | 10,176,000 | 10,209,000 | 10,424,000 | 9,454,000 |
| Risk-weighted assets | 52,065,000 | 53,070,000 | 55,922,000 | 55,561,000 |