Call reports 2009
BLACKRIDGEBANK — 2009
What BLACKRIDGEBANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 62,696,000 | 75,406,000 | 78,575,000 | 84,748,000 |
| Total loans | 53,891,000 | 56,891,000 | 65,771,000 | 70,423,000 |
| Allowance for loan losses | 555,000 | 605,000 | 680,000 | 730,000 |
| Securities available for sale | 854,000 | 8,086,000 | 7,819,000 | 9,110,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,025,000 | 64,612,000 | 67,734,000 | 72,617,000 |
| Interest-bearing deposits | 49,949,000 | 61,293,000 | 64,730,000 | 68,377,000 |
| Noninterest-bearing deposits | 3,076,000 | 3,319,000 | 3,004,000 | 4,240,000 |
| Equity capital | 6,617,000 | 7,778,000 | 7,789,000 | 7,839,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 858,000 | 1,804,000 | 2,870,000 | 4,138,000 |
| Interest expense | 395,000 | 861,000 | 1,341,000 | 1,915,000 |
| Net interest income | 463,000 | 943,000 | 1,529,000 | 2,223,000 |
| Noninterest income | 9,000 | 22,000 | 39,000 | 69,000 |
| Noninterest expense | 497,000 | 1,140,000 | 1,728,000 | 2,323,000 |
| Provision for loan losses | 50,000 | 100,000 | 175,000 | 225,000 |
| Pretax income | -75,000 | -275,000 | -335,000 | -256,000 |
| Income tax | -30,000 | -107,000 | -134,000 | -108,000 |
| Net income | -45,000 | -168,000 | -201,000 | -148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,425,000 | 7,601,000 | 7,581,000 | 7,644,000 |
| Total capital | 6,980,000 | 8,206,000 | 8,261,000 | 8,374,000 |
| Risk-weighted assets | 56,528,000 | 60,489,000 | 68,067,000 | 71,914,000 |