Call reports 2011
BLACKRIDGEBANK — 2011
What BLACKRIDGEBANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 98,026,000 | 97,269,000 | 100,754,000 | 348,257,000 |
| Total loans | 79,765,000 | 80,890,000 | 87,509,000 | 270,725,000 |
| Allowance for loan losses | 1,044,000 | 1,104,000 | 1,163,000 | 3,562,000 |
| Securities available for sale | 10,705,000 | 10,484,000 | 9,305,000 | 27,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,659,000 | 86,579,000 | 87,154,000 | 299,288,000 |
| Interest-bearing deposits | 81,023,000 | 8,744,000 | 78,080,000 | 246,669,000 |
| Noninterest-bearing deposits | 5,636,000 | 77,835,000 | 9,074,000 | 52,619,000 |
| Equity capital | 8,720,000 | 8,719,000 | 8,785,000 | 46,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,389,000 | 2,762,000 | 4,133,000 | 17,544,000 |
| Interest expense | 361,000 | 688,000 | 967,000 | 3,324,000 |
| Net interest income | 1,028,000 | 2,074,000 | 3,166,000 | 14,220,000 |
| Noninterest income | 123,000 | 156,000 | 183,000 | 977,000 |
| Noninterest expense | 618,000 | 1,261,000 | 1,877,000 | 9,553,000 |
| Provision for loan losses | 30,000 | 90,000 | 150,000 | 1,305,000 |
| Pretax income | 503,000 | 879,000 | 1,322,000 | 4,365,000 |
| Income tax | 176,000 | 308,000 | 462,000 | 1,668,000 |
| Net income | 327,000 | 571,000 | 860,000 | 2,697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,649,000 | 8,597,000 | 8,639,000 | 29,428,000 |
| Total capital | 9,609,000 | 9,571,000 | 9,665,000 | 32,748,000 |
| Risk-weighted assets | 76,684,000 | 77,796,000 | 81,942,000 | 265,433,000 |