Call reports 2012
BLACKRIDGEBANK — 2012
What BLACKRIDGEBANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 348,204,000 | 345,183,000 | 350,145,000 | 363,295,000 |
| Total loans | 271,122,000 | 277,255,000 | 278,911,000 | 284,755,000 |
| Allowance for loan losses | 3,745,000 | 3,980,000 | 4,109,000 | 4,040,000 |
| Securities available for sale | 28,068,000 | 28,228,000 | 27,475,000 | 29,498,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,018,000 | 294,347,000 | 301,253,000 | 313,655,000 |
| Interest-bearing deposits | 242,773,000 | 241,360,000 | 244,951,000 | 253,996,000 |
| Noninterest-bearing deposits | 56,245,000 | 52,987,000 | 56,302,000 | 59,659,000 |
| Equity capital | 46,573,000 | 46,686,000 | 47,017,000 | 46,968,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,270,000 | 8,643,000 | 13,139,000 | 17,551,000 |
| Interest expense | 640,000 | 1,231,000 | 1,813,000 | 2,391,000 |
| Net interest income | 3,630,000 | 7,412,000 | 11,326,000 | 15,160,000 |
| Noninterest income | 251,000 | 560,000 | 925,000 | 1,253,000 |
| Noninterest expense | 2,509,000 | 5,110,000 | 7,688,000 | 10,348,000 |
| Provision for loan losses | 255,000 | 510,000 | 765,000 | 1,140,000 |
| Pretax income | 1,117,000 | 2,352,000 | 3,798,000 | 4,925,000 |
| Income tax | 420,000 | 884,000 | 1,435,000 | 1,860,000 |
| Net income | 697,000 | 1,468,000 | 2,363,000 | 3,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,495,000 | 29,640,000 | 29,909,000 | 29,985,000 |
| Total capital | 32,853,000 | 33,094,000 | 33,384,000 | 33,462,000 |
| Risk-weighted assets | 268,285,000 | 275,804,000 | 277,365,000 | 277,562,000 |