Call reports 2003
BAY-HERMANN-BERGER BANK — 2003
What BAY-HERMANN-BERGER BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 40,519,000 | 41,700,000 | 42,716,000 | 40,751,000 |
| Total loans | 26,179,000 | 26,077,000 | 27,621,000 | 26,746,000 |
| Allowance for loan losses | 327,000 | 327,000 | 328,000 | 328,000 |
| Securities available for sale | 9,535,000 | 10,942,000 | 11,286,000 | 10,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,205,000 | 38,226,000 | 39,346,000 | 37,374,000 |
| Interest-bearing deposits | 32,524,000 | 33,258,000 | 34,458,000 | 31,886,000 |
| Noninterest-bearing deposits | 4,681,000 | 4,968,000 | 4,888,000 | 5,488,000 |
| Equity capital | 3,186,000 | 3,339,000 | 3,253,000 | 3,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 536,000 | 1,069,000 | 1,608,000 | 2,147,000 |
| Interest expense | 188,000 | 367,000 | 538,000 | 700,000 |
| Net interest income | 348,000 | 702,000 | 1,070,000 | 1,447,000 |
| Noninterest income | 46,000 | 95,000 | 137,000 | 183,000 |
| Noninterest expense | 274,000 | 555,000 | 840,000 | 1,107,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 120,000 | 242,000 | 367,000 | 530,000 |
| Income tax | 4,000 | 7,000 | 10,000 | 13,000 |
| Net income | 116,000 | 235,000 | 357,000 | 517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,956,000 | 3,023,000 | 3,091,000 | 3,152,000 |
| Total capital | 3,283,000 | 3,350,000 | 3,419,000 | 3,480,000 |
| Risk-weighted assets | 27,164,000 | 28,204,000 | 29,513,000 | 28,166,000 |