Call reports 2018
BLACK RIVER COUNTRY BANK — 2018
What BLACK RIVER COUNTRY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 75,940,000 | 77,314,000 | 77,928,000 | 77,393,000 |
| Total loans | 65,012,000 | 65,523,000 | 66,220,000 | 66,394,000 |
| Allowance for loan losses | 821,000 | 836,000 | 851,000 | 866,000 |
| Securities available for sale | 5,327,000 | 5,246,000 | 5,127,000 | 4,679,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,851,000 | 63,328,000 | 62,074,000 | 65,234,000 |
| Interest-bearing deposits | 49,720,000 | 51,610,000 | 51,113,000 | 52,087,000 |
| Noninterest-bearing deposits | 12,132,000 | 11,718,000 | 10,962,000 | 13,147,000 |
| Equity capital | 8,859,000 | 8,944,000 | 9,105,000 | 8,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 811,000 | 1,655,000 | 2,518,000 | 3,384,000 |
| Interest expense | 117,000 | 253,000 | 395,000 | 552,000 |
| Net interest income | 694,000 | 1,402,000 | 2,123,000 | 2,832,000 |
| Noninterest income | 49,000 | 113,000 | 157,000 | 205,000 |
| Noninterest expense | 425,000 | 885,000 | 1,321,000 | 1,863,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 303,000 | 600,000 | 914,000 | 1,114,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 3,000 |
| Net income | 302,000 | 599,000 | 912,000 | 1,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,061,000 | 9,148,000 | 9,328,000 | 8,770,000 |
| Total capital | 9,755,000 | 9,842,000 | 10,027,000 | 9,466,000 |
| Risk-weighted assets | 55,355,000 | 55,403,000 | 55,796,000 | 55,540,000 |
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