Call reports 2023
BLACK RIVER COUNTRY BANK — 2023
What BLACK RIVER COUNTRY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 99,452,000 | 99,394,000 | 100,589,000 | 102,330,000 |
| Total loans | 74,772,000 | 75,821,000 | 76,807,000 | 75,734,000 |
| Allowance for loan losses | 1,106,000 | 1,121,000 | 1,135,000 | 1,150,000 |
| Securities available for sale | 18,140,000 | 17,439,000 | 17,715,000 | 17,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,874,000 | 82,931,000 | 83,052,000 | 85,444,000 |
| Interest-bearing deposits | 65,759,000 | 65,435,000 | 66,115,000 | 67,032,000 |
| Noninterest-bearing deposits | 18,115,000 | 17,496,000 | 16,937,000 | 18,412,000 |
| Equity capital | 6,332,000 | 6,163,000 | 6,076,000 | 6,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,050,000 | 2,150,000 | 3,312,000 | 4,510,000 |
| Interest expense | 306,000 | 691,000 | 1,061,000 | 1,465,000 |
| Net interest income | 744,000 | 1,459,000 | 2,251,000 | 3,045,000 |
| Noninterest income | 52,000 | 109,000 | 157,000 | 199,000 |
| Noninterest expense | 598,000 | 1,130,000 | 1,728,000 | 2,341,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 183,000 | 408,000 | 635,000 | 843,000 |
| Income tax | 2,000 | -2,000 | -2,000 | -2,000 |
| Net income | 181,000 | 410,000 | 637,000 | 845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,080,000 | 9,138,000 | 9,269,000 | 8,940,000 |
| Total capital | 9,965,000 | 10,042,000 | 10,149,000 | 9,846,000 |
| Risk-weighted assets | 70,641,000 | 72,067,000 | 70,169,000 | 72,245,000 |