Call reports 2019
BLACK RIVER COUNTRY BANK — 2019
What BLACK RIVER COUNTRY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 78,842,000 | 81,693,000 | 78,916,000 | 81,029,000 |
| Total loans | 67,030,000 | 66,148,000 | 66,437,000 | 66,136,000 |
| Allowance for loan losses | 879,000 | 894,000 | 909,000 | 923,000 |
| Securities available for sale | 5,226,000 | 5,725,000 | 5,921,000 | 6,328,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,650,000 | 68,947,000 | 66,781,000 | 69,490,000 |
| Interest-bearing deposits | 54,184,000 | 57,477,000 | 55,882,000 | 57,782,000 |
| Noninterest-bearing deposits | 11,466,000 | 11,470,000 | 10,899,000 | 11,708,000 |
| Equity capital | 8,938,000 | 9,031,000 | 9,220,000 | 8,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 876,000 | 1,777,000 | 2,704,000 | 3,634,000 |
| Interest expense | 165,000 | 350,000 | 543,000 | 739,000 |
| Net interest income | 711,000 | 1,427,000 | 2,161,000 | 2,895,000 |
| Noninterest income | 56,000 | 111,000 | 163,000 | 230,000 |
| Noninterest expense | 446,000 | 978,000 | 1,516,000 | 2,033,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 306,000 | 530,000 | 763,000 | 1,032,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 306,000 | 530,000 | 763,000 | 1,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,076,000 | 9,063,000 | 9,214,000 | 8,802,000 |
| Total capital | 9,785,000 | 9,780,000 | 9,930,000 | 9,510,000 |
| Risk-weighted assets | 56,551,000 | 57,251,000 | 57,152,000 | 56,437,000 |
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