Call reports 2001
BAY-HERMANN-BERGER BANK — 2001
What BAY-HERMANN-BERGER BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 38,332,000 | 37,384,000 | 38,345,000 | 37,804,000 |
| Total loans | 23,423,000 | 23,411,000 | 23,722,000 | 23,414,000 |
| Allowance for loan losses | 323,000 | 322,000 | 323,000 | 324,000 |
| Securities available for sale | 8,480,000 | 9,295,000 | 9,344,000 | 10,362,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,142,000 | 34,223,000 | 35,022,000 | 34,556,000 |
| Interest-bearing deposits | 30,342,000 | 29,735,000 | 30,659,000 | 29,225,000 |
| Noninterest-bearing deposits | 4,800,000 | 4,488,000 | 4,362,000 | 5,331,000 |
| Equity capital | 2,957,000 | 2,944,000 | 3,059,000 | 3,084,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 674,000 | 1,339,000 | 1,984,000 | 2,591,000 |
| Interest expense | 365,000 | 723,000 | 1,066,000 | 1,353,000 |
| Net interest income | 309,000 | 616,000 | 918,000 | 1,238,000 |
| Noninterest income | 37,000 | 78,000 | 121,000 | 160,000 |
| Noninterest expense | 251,000 | 491,000 | 733,000 | 986,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 95,000 | 203,000 | 311,000 | 430,000 |
| Income tax | 4,000 | 10,000 | 16,000 | 22,000 |
| Net income | 91,000 | 193,000 | 295,000 | 408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,816,000 | 2,882,000 | 2,937,000 | 3,050,000 |
| Total capital | 3,123,000 | 3,187,000 | 3,260,000 | 3,374,000 |
| Risk-weighted assets | 24,528,000 | 24,331,000 | 26,016,000 | 26,389,000 |