Call reports 2021
BLACK RIVER COUNTRY BANK — 2021
What BLACK RIVER COUNTRY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 93,641,000 | 94,555,000 | 95,061,000 | 102,601,000 |
| Total loans | 65,381,000 | 66,436,000 | 66,432,000 | 68,524,000 |
| Allowance for loan losses | 988,000 | 1,001,000 | 1,016,000 | 1,031,000 |
| Securities available for sale | 10,138,000 | 13,940,000 | 13,497,000 | 22,721,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,279,000 | 78,922,000 | 79,224,000 | 87,439,000 |
| Interest-bearing deposits | 64,352,000 | 62,727,000 | 63,804,000 | 70,131,000 |
| Noninterest-bearing deposits | 14,927,000 | 16,195,000 | 15,420,000 | 17,308,000 |
| Equity capital | 9,095,000 | 9,345,000 | 9,406,000 | 8,741,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 913,000 | 1,819,000 | 2,650,000 | 3,477,000 |
| Interest expense | 129,000 | 251,000 | 370,000 | 493,000 |
| Net interest income | 784,000 | 1,568,000 | 2,280,000 | 2,984,000 |
| Noninterest income | 108,000 | 177,000 | 222,000 | 294,000 |
| Noninterest expense | 525,000 | 997,000 | 1,547,000 | 2,073,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 352,000 | 718,000 | 910,000 | 1,149,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 0 |
| Net income | 349,000 | 715,000 | 907,000 | 1,149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,048,000 | 9,251,000 | 9,301,000 | 8,845,000 |
| Total capital | 9,772,000 | 10,011,000 | 10,067,000 | 9,668,000 |
| Risk-weighted assets | 57,696,000 | 60,570,000 | 61,045,000 | 65,658,000 |