Call reports 2024
BLACK RIVER COUNTRY BANK — 2024
What BLACK RIVER COUNTRY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 98,111,000 | 98,536,000 | 99,233,000 | 101,941,000 |
| Total loans | 75,079,000 | 75,861,000 | 76,356,000 | 75,599,000 |
| Allowance for loan losses | 1,164,000 | 1,177,000 | 1,195,000 | 1,210,000 |
| Securities available for sale | 17,365,000 | 16,750,000 | 16,713,000 | 15,697,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,217,000 | 80,376,000 | 80,388,000 | 86,601,000 |
| Interest-bearing deposits | 64,161,000 | 64,020,000 | 62,730,000 | 67,944,000 |
| Noninterest-bearing deposits | 16,056,000 | 16,356,000 | 17,658,000 | 18,657,000 |
| Equity capital | 6,558,000 | 6,624,000 | 7,365,000 | 6,450,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,214,000 | 2,449,000 | 3,713,000 | 5,015,000 |
| Interest expense | 452,000 | 920,000 | 1,382,000 | 1,812,000 |
| Net interest income | 762,000 | 1,529,000 | 2,331,000 | 3,203,000 |
| Noninterest income | 76,000 | 124,000 | 195,000 | 259,000 |
| Noninterest expense | 630,000 | 1,198,000 | 1,859,000 | 2,535,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 193,000 | 425,000 | 622,000 | 867,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 193,000 | 425,000 | 622,000 | 867,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,134,000 | 9,188,000 | 9,310,000 | 8,992,000 |
| Total capital | 9,977,000 | 10,092,000 | 10,228,000 | 9,900,000 |
| Risk-weighted assets | 67,131,000 | 72,123,000 | 73,164,000 | 72,350,000 |