Call reports 2007
BLACKRIDGEBANK — 2007
What BLACKRIDGEBANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|
| Total assets | 15,581,000 | 16,945,000 | 20,496,000 |
| Total loans | 11,340,000 | 15,576,000 | 18,519,000 |
| Allowance for loan losses | 115,000 | 156,000 | 187,000 |
| Securities available for sale | 0 | 501,000 | 1,005,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 10,738,000 | 11,630,000 | 14,822,000 |
| Interest-bearing deposits | 10,200,000 | 11,220,000 | 13,947,000 |
| Noninterest-bearing deposits | 538,000 | 410,000 | 875,000 |
| Equity capital | 4,781,000 | 4,701,000 | 4,606,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|
| Interest income | 176,000 | 473,000 | 852,000 |
| Interest expense | 56,000 | 199,000 | 372,000 |
| Net interest income | 120,000 | 274,000 | 480,000 |
| Noninterest income | 0 | 1,000 | 4,000 |
| Noninterest expense | 351,000 | 593,000 | 928,000 |
| Provision for loan losses | 115,000 | 156,000 | 187,000 |
| Pretax income | -346,000 | -474,000 | -631,000 |
| Income tax | -127,000 | -174,000 | -232,000 |
| Net income | -219,000 | -300,000 | -399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|
| Tier 1 capital | 4,781,000 | 4,700,000 | 4,601,000 |
| Total capital | 4,896,000 | 4,856,000 | 4,788,000 |
| Risk-weighted assets | 13,113,000 | 16,635,000 | 20,555,000 |