Call reports 2004
BAY-HERMANN-BERGER BANK — 2004
What BAY-HERMANN-BERGER BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 42,256,000 | 41,984,000 | 40,517,000 | 39,391,000 |
| Total loans | 27,134,000 | 27,605,000 | 27,245,000 | 26,202,000 |
| Allowance for loan losses | 327,000 | 327,000 | 324,000 | 324,000 |
| Securities available for sale | 10,293,000 | 10,837,000 | 9,793,000 | 9,128,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,712,000 | 38,606,000 | 36,709,000 | 36,054,000 |
| Interest-bearing deposits | 33,420,000 | 32,805,000 | 31,081,000 | 30,223,000 |
| Noninterest-bearing deposits | 5,292,000 | 5,801,000 | 5,628,000 | 5,831,000 |
| Equity capital | 3,471,000 | 3,308,000 | 3,578,000 | 3,265,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 526,000 | 1,050,000 | 1,574,000 | 2,087,000 |
| Interest expense | 138,000 | 267,000 | 383,000 | 504,000 |
| Net interest income | 388,000 | 783,000 | 1,191,000 | 1,583,000 |
| Noninterest income | 42,000 | 94,000 | 146,000 | 182,000 |
| Noninterest expense | 279,000 | 557,000 | 841,000 | 1,134,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 151,000 | 327,000 | 504,000 | 649,000 |
| Income tax | 6,000 | 11,000 | 17,000 | 22,000 |
| Net income | 145,000 | 316,000 | 487,000 | 627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,230,000 | 3,326,000 | 3,427,000 | 3,167,000 |
| Total capital | 3,557,000 | 3,653,000 | 3,751,000 | 3,491,000 |
| Risk-weighted assets | 28,117,000 | 28,355,000 | 28,221,000 | 27,321,000 |