Call reports 2022
BLACK RIVER COUNTRY BANK — 2022
What BLACK RIVER COUNTRY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 100,040,000 | 94,255,000 | 95,381,000 | 100,003,000 |
| Total loans | 66,736,000 | 66,364,000 | 70,049,000 | 72,767,000 |
| Allowance for loan losses | 1,046,000 | 1,061,000 | 1,076,000 | 1,091,000 |
| Securities available for sale | 21,213,000 | 19,747,000 | 18,742,000 | 18,475,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,201,000 | 87,712,000 | 83,914,000 | 85,999,000 |
| Interest-bearing deposits | 70,328,000 | 70,674,000 | 66,231,000 | 67,477,000 |
| Noninterest-bearing deposits | 16,873,000 | 17,038,000 | 17,683,000 | 18,522,000 |
| Equity capital | 7,619,000 | 6,299,000 | 6,129,000 | 6,047,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 854,000 | 1,745,000 | 2,693,000 | 3,689,000 |
| Interest expense | 116,000 | 226,000 | 352,000 | 550,000 |
| Net interest income | 738,000 | 1,519,000 | 2,341,000 | 3,139,000 |
| Noninterest income | 52,000 | 97,000 | 143,000 | 187,000 |
| Noninterest expense | 584,000 | 1,122,000 | 1,686,000 | 2,279,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 191,000 | 464,000 | 753,000 | 987,000 |
| Income tax | 2,000 | 3,000 | 4,000 | 5,000 |
| Net income | 189,000 | 461,000 | 749,000 | 982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,033,000 | 9,099,000 | 9,252,000 | 8,899,000 |
| Total capital | 9,781,000 | 9,918,000 | 10,056,000 | 9,762,000 |
| Risk-weighted assets | 59,556,000 | 65,300,000 | 64,065,000 | 68,792,000 |
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