Call reports 2010
BLACKRIDGEBANK — 2010
What BLACKRIDGEBANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 89,997,000 | 92,910,000 | 101,479,000 | 98,198,000 |
| Total loans | 74,905,000 | 75,295,000 | 79,192,000 | 82,700,000 |
| Allowance for loan losses | 805,000 | 910,000 | 935,000 | 995,000 |
| Securities available for sale | 8,931,000 | 10,662,000 | 10,090,000 | 11,031,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,351,000 | 80,720,000 | 87,505,000 | 86,842,000 |
| Interest-bearing deposits | 72,188,000 | 75,027,000 | 79,073,000 | 78,940,000 |
| Noninterest-bearing deposits | 5,163,000 | 5,693,000 | 8,432,000 | 7,902,000 |
| Equity capital | 7,910,000 | 8,083,000 | 8,273,000 | 8,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,202,000 | 2,482,000 | 3,786,000 | 5,156,000 |
| Interest expense | 486,000 | 954,000 | 1,419,000 | 1,846,000 |
| Net interest income | 716,000 | 1,528,000 | 2,367,000 | 3,310,000 |
| Noninterest income | 36,000 | 67,000 | 90,000 | 214,000 |
| Noninterest expense | 587,000 | 1,191,000 | 1,842,000 | 2,537,000 |
| Provision for loan losses | 75,000 | 180,000 | 205,000 | 265,000 |
| Pretax income | 90,000 | 224,000 | 410,000 | 722,000 |
| Income tax | 28,000 | 69,000 | 129,000 | 236,000 |
| Net income | 62,000 | 155,000 | 281,000 | 486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,882,000 | 7,979,000 | 8,111,000 | 8,320,000 |
| Total capital | 8,687,000 | 8,889,000 | 9,046,000 | 9,315,000 |
| Risk-weighted assets | 77,046,000 | 77,149,000 | 79,550,000 | 79,533,000 |