Call reports 2013
BLACKRIDGEBANK — 2013
What BLACKRIDGEBANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 360,920,000 | 356,538,000 | 365,132,000 | 375,683,000 |
| Total loans | 275,583,000 | 282,344,000 | 282,985,000 | 287,237,000 |
| Allowance for loan losses | 4,203,000 | 4,376,000 | 4,336,000 | 4,410,000 |
| Securities available for sale | 30,142,000 | 29,942,000 | 30,440,000 | 32,432,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,147,000 | 307,849,000 | 315,182,000 | 325,293,000 |
| Interest-bearing deposits | 254,560,000 | 251,104,000 | 250,851,000 | 253,053,000 |
| Noninterest-bearing deposits | 56,587,000 | 56,745,000 | 64,331,000 | 72,240,000 |
| Equity capital | 47,269,000 | 47,106,000 | 47,383,000 | 47,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,884,000 | 7,795,000 | 11,783,000 | 15,904,000 |
| Interest expense | 554,000 | 1,061,000 | 1,556,000 | 2,041,000 |
| Net interest income | 3,330,000 | 6,734,000 | 10,227,000 | 13,863,000 |
| Noninterest income | 1,075,000 | 1,714,000 | 2,498,000 | 3,054,000 |
| Noninterest expense | 2,759,000 | 5,568,000 | 8,373,000 | 11,131,000 |
| Provision for loan losses | 325,000 | 550,000 | 775,000 | 775,000 |
| Pretax income | 1,321,000 | 2,330,000 | 3,577,000 | 5,011,000 |
| Income tax | 495,000 | 883,000 | 1,357,000 | 1,919,000 |
| Net income | 826,000 | 1,447,000 | 2,220,000 | 3,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,359,000 | 30,579,000 | 30,950,000 | 31,422,000 |
| Total capital | 33,693,000 | 33,975,000 | 34,370,000 | 34,883,000 |
| Risk-weighted assets | 265,832,000 | 270,773,000 | 272,668,000 | 275,901,000 |