Call reports 2014
BLACKRIDGEBANK — 2014
What BLACKRIDGEBANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 363,330,000 | 366,588,000 | 371,421,000 | 378,037,000 |
| Total loans | 286,216,000 | 290,906,000 | 296,005,000 | 299,960,000 |
| Allowance for loan losses | 4,417,000 | 4,339,000 | 4,422,000 | 4,098,000 |
| Securities available for sale | 30,999,000 | 30,372,000 | 33,116,000 | 32,936,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 312,619,000 | 316,184,000 | 320,359,000 | 326,982,000 |
| Interest-bearing deposits | 249,878,000 | 247,618,000 | 246,871,000 | 255,143,000 |
| Noninterest-bearing deposits | 62,741,000 | 68,566,000 | 73,488,000 | 71,839,000 |
| Equity capital | 48,130,000 | 48,488,000 | 48,784,000 | 48,985,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,065,000 | 8,285,000 | 12,479,000 | 16,586,000 |
| Interest expense | 466,000 | 922,000 | 1,371,000 | 1,809,000 |
| Net interest income | 3,599,000 | 7,363,000 | 11,108,000 | 14,777,000 |
| Noninterest income | 512,000 | 1,083,000 | 1,789,000 | 2,733,000 |
| Noninterest expense | 2,822,000 | 5,744,000 | 8,813,000 | 12,213,000 |
| Provision for loan losses | 30,000 | 90,000 | 180,000 | 270,000 |
| Pretax income | 1,259,000 | 2,628,000 | 3,934,000 | 5,057,000 |
| Income tax | 489,000 | 1,031,000 | 1,538,000 | 1,981,000 |
| Net income | 770,000 | 1,597,000 | 2,396,000 | 3,076,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,739,000 | 32,118,000 | 32,468,000 | 32,703,000 |
| Total capital | 35,200,000 | 35,637,000 | 36,021,000 | 36,269,000 |
| Risk-weighted assets | 275,904,000 | 280,712,000 | 283,359,000 | 284,740,000 |