Call reports 2015
BLACKRIDGEBANK — 2015
What BLACKRIDGEBANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 380,191,000 | 385,242,000 | 399,748,000 | 407,247,000 |
| Total loans | 303,902,000 | 312,481,000 | 319,653,000 | 319,379,000 |
| Allowance for loan losses | 4,203,000 | 4,298,000 | 4,375,000 | 4,449,000 |
| Securities available for sale | 34,635,000 | 32,328,000 | 31,044,000 | 31,185,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,629,000 | 326,366,000 | 347,470,000 | 354,434,000 |
| Interest-bearing deposits | 252,977,000 | 258,065,000 | 259,665,000 | 264,589,000 |
| Noninterest-bearing deposits | 67,652,000 | 68,301,000 | 87,805,000 | 89,845,000 |
| Equity capital | 48,994,000 | 49,223,000 | 49,523,000 | 49,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,955,000 | 8,076,000 | 12,391,000 | 16,770,000 |
| Interest expense | 428,000 | 863,000 | 1,320,000 | 1,774,000 |
| Net interest income | 3,527,000 | 7,213,000 | 11,071,000 | 14,996,000 |
| Noninterest income | 662,000 | 1,690,000 | 2,645,000 | 3,666,000 |
| Noninterest expense | 3,328,000 | 6,608,000 | 9,998,000 | 13,441,000 |
| Provision for loan losses | 150,000 | 250,000 | 350,000 | 350,000 |
| Pretax income | 711,000 | 2,045,000 | 3,368,000 | 4,871,000 |
| Income tax | 283,000 | 809,000 | 1,351,000 | 1,946,000 |
| Net income | 428,000 | 1,236,000 | 2,017,000 | 2,925,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,770,000 | 33,104,000 | 33,410,000 | 33,837,000 |
| Total capital | 36,509,000 | 36,849,000 | 37,358,000 | 37,764,000 |
| Risk-weighted assets | 298,692,000 | 299,096,000 | 315,452,000 | 313,642,000 |