Call reports 2016
BLACKRIDGEBANK — 2016
What BLACKRIDGEBANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 404,528,000 | 415,891,000 | 430,105,000 | 432,500,000 |
| Total loans | 327,907,000 | 337,944,000 | 342,685,000 | 349,194,000 |
| Allowance for loan losses | 4,427,000 | 4,541,000 | 4,450,000 | 4,578,000 |
| Securities available for sale | 33,053,000 | 31,164,000 | 35,304,000 | 38,238,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 352,245,000 | 363,316,000 | 375,798,000 | 378,163,000 |
| Interest-bearing deposits | 269,879,000 | 276,996,000 | 285,357,000 | 289,551,000 |
| Noninterest-bearing deposits | 82,366,000 | 86,320,000 | 90,441,000 | 88,612,000 |
| Equity capital | 50,172,000 | 50,566,000 | 50,838,000 | 50,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,279,000 | 8,774,000 | 13,271,000 | 17,941,000 |
| Interest expense | 455,000 | 920,000 | 1,405,000 | 1,895,000 |
| Net interest income | 3,824,000 | 7,854,000 | 11,866,000 | 16,046,000 |
| Noninterest income | 1,228,000 | 2,488,000 | 3,857,000 | 5,783,000 |
| Noninterest expense | 3,705,000 | 7,520,000 | 11,529,000 | 16,316,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 1,242,000 | 2,612,000 | 3,879,000 | 5,093,000 |
| Income tax | 492,000 | 1,034,000 | 1,513,000 | 1,990,000 |
| Net income | 750,000 | 1,578,000 | 2,366,000 | 3,103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,104,000 | 34,444,000 | 34,739,000 | 34,986,000 |
| Total capital | 38,136,000 | 38,537,000 | 38,845,000 | 39,141,000 |
| Risk-weighted assets | 322,218,000 | 326,980,000 | 328,129,000 | 332,011,000 |