Call reports 2020
BLACK RIVER COUNTRY BANK — 2020
What BLACK RIVER COUNTRY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 80,097,000 | 94,106,000 | 89,858,000 | 90,252,000 |
| Total loans | 66,256,000 | 68,263,000 | 67,682,000 | 62,909,000 |
| Allowance for loan losses | 929,000 | 944,000 | 959,000 | 973,000 |
| Securities available for sale | 6,512,000 | 6,664,000 | 8,577,000 | 8,231,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,762,000 | 79,167,000 | 74,750,000 | 75,753,000 |
| Interest-bearing deposits | 58,031,000 | 65,054,000 | 60,317,000 | 60,797,000 |
| Noninterest-bearing deposits | 10,731,000 | 14,113,000 | 14,433,000 | 14,956,000 |
| Equity capital | 8,833,000 | 9,443,000 | 9,595,000 | 9,018,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 908,000 | 1,950,000 | 2,851,000 | 3,690,000 |
| Interest expense | 188,000 | 375,000 | 549,000 | 697,000 |
| Net interest income | 720,000 | 1,575,000 | 2,302,000 | 2,993,000 |
| Noninterest income | 58,000 | 156,000 | 224,000 | 295,000 |
| Noninterest expense | 514,000 | 991,000 | 1,485,000 | 1,998,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 249,000 | 710,000 | 996,000 | 1,230,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 249,000 | 710,000 | 996,000 | 1,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,051,000 | 9,319,000 | 9,442,000 | 8,832,000 |
| Total capital | 9,775,000 | 10,080,000 | 10,197,000 | 9,537,000 |
| Risk-weighted assets | 57,684,000 | 60,740,000 | 60,163,000 | 56,125,000 |