Call reports 2025
BLACK RIVER COUNTRY BANK — 2025
What BLACK RIVER COUNTRY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 97,816,000 | 100,197,000 | 100,958,000 | 103,232,000 |
| Total loans | 73,672,000 | 76,641,000 | 76,183,000 | 76,953,000 |
| Allowance for loan losses | 1,225,000 | 1,204,000 | 1,210,000 | 1,225,000 |
| Securities available for sale | 15,358,000 | 15,807,000 | 16,037,000 | 16,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,158,000 | 83,170,000 | 85,502,000 | 88,400,000 |
| Interest-bearing deposits | 64,534,000 | 65,555,000 | 68,817,000 | 71,705,000 |
| Noninterest-bearing deposits | 17,624,000 | 17,615,000 | 16,685,000 | 16,695,000 |
| Equity capital | 6,998,000 | 7,037,000 | 7,902,000 | 7,319,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,259,000 | 2,546,000 | 3,883,000 | 5,225,000 |
| Interest expense | 385,000 | 739,000 | 1,110,000 | 1,475,000 |
| Net interest income | 874,000 | 1,807,000 | 2,773,000 | 3,750,000 |
| Noninterest income | 55,000 | 122,000 | 190,000 | 264,000 |
| Noninterest expense | 658,000 | 1,288,000 | 1,956,000 | 2,599,000 |
| Provision for loan losses | 15,000 | -6,000 | 0 | 15,000 |
| Pretax income | 232,000 | 587,000 | 938,000 | 1,331,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 232,000 | 587,000 | 938,000 | 1,331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,224,000 | 9,373,000 | 9,609,000 | 8,933,000 |
| Total capital | 10,103,000 | 10,292,000 | 10,526,000 | 9,857,000 |
| Risk-weighted assets | 69,982,000 | 73,214,000 | 72,998,000 | 73,610,000 |