Call reports 2019
BLACKRIDGEBANK — 2019
What BLACKRIDGEBANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 482,520,000 | 494,829,000 | 490,107,000 | 484,305,000 |
| Total loans | 395,357,000 | 399,329,000 | 395,129,000 | 368,583,000 |
| Allowance for loan losses | 5,292,000 | 5,372,000 | 5,017,000 | 114,000 |
| Securities available for sale | 37,588,000 | 37,959,000 | 31,350,000 | 27,407,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 426,095,000 | 437,804,000 | 430,388,000 | 414,031,000 |
| Interest-bearing deposits | 333,308,000 | 339,011,000 | 322,383,000 | 313,926,000 |
| Noninterest-bearing deposits | 92,787,000 | 98,793,000 | 108,005,000 | 100,105,000 |
| Equity capital | 54,085,000 | 54,913,000 | 54,183,000 | 68,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,389,000 | 11,258,000 | 17,242,000 | 5,473,000 |
| Interest expense | 1,047,000 | 2,349,000 | 3,623,000 | 897,000 |
| Net interest income | 4,342,000 | 8,909,000 | 13,619,000 | 4,576,000 |
| Noninterest income | 1,852,000 | 3,413,000 | 5,331,000 | 1,973,000 |
| Noninterest expense | 4,702,000 | 9,235,000 | 17,527,000 | 4,526,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 135,000 |
| Pretax income | 1,357,000 | 2,817,000 | 1,084,000 | 1,888,000 |
| Income tax | 360,000 | 746,000 | 111,000 | 375,000 |
| Net income | 997,000 | 2,071,000 | 973,000 | 1,513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,035,000 | 38,617,000 | 38,005,000 | 37,449,000 |
| Total capital | 42,761,000 | 43,433,000 | 42,869,000 | 37,563,000 |
| Risk-weighted assets | 377,533,000 | 384,732,000 | 389,044,000 | 355,119,000 |