Call reports 2002
BAY-HERMANN-BERGER BANK — 2002
What BAY-HERMANN-BERGER BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 37,983,000 | 38,608,000 | 38,901,000 | 39,406,000 |
| Total loans | 24,158,000 | 25,568,000 | 25,606,000 | 26,115,000 |
| Allowance for loan losses | 325,000 | 326,000 | 327,000 | 327,000 |
| Securities available for sale | 9,374,000 | 9,548,000 | 9,010,000 | 8,524,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,146,000 | 35,537,000 | 35,640,000 | 36,123,000 |
| Interest-bearing deposits | 30,191,000 | 31,103,000 | 31,593,000 | 30,965,000 |
| Noninterest-bearing deposits | 4,955,000 | 4,434,000 | 4,047,000 | 5,158,000 |
| Equity capital | 2,704,000 | 2,882,000 | 3,006,000 | 3,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 555,000 | 1,112,000 | 1,666,000 | 2,205,000 |
| Interest expense | 236,000 | 459,000 | 682,000 | 886,000 |
| Net interest income | 319,000 | 653,000 | 984,000 | 1,319,000 |
| Noninterest income | 39,000 | 102,000 | 166,000 | 211,000 |
| Noninterest expense | 259,000 | 522,000 | 786,000 | 1,079,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 99,000 | 233,000 | 364,000 | 468,000 |
| Income tax | 3,000 | 9,000 | 15,000 | 17,000 |
| Net income | 96,000 | 224,000 | 349,000 | 451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,697,000 | 2,775,000 | 2,833,000 | 2,889,000 |
| Total capital | 3,022,000 | 3,101,000 | 3,160,000 | 3,216,000 |
| Risk-weighted assets | 27,437,000 | 26,562,000 | 26,435,000 | 26,975,000 |