Call reports 2005
BAY-HERMANN-BERGER BANK — 2005
What BAY-HERMANN-BERGER BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 40,724,000 | 39,941,000 | 41,746,000 | 45,381,000 |
| Total loans | 26,778,000 | 27,895,000 | 28,852,000 | 29,321,000 |
| Allowance for loan losses | 320,000 | 317,000 | 316,000 | 317,000 |
| Securities available for sale | 8,992,000 | 9,013,000 | 8,016,000 | 12,125,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,486,000 | 36,534,000 | 38,299,000 | 42,047,000 |
| Interest-bearing deposits | 31,080,000 | 30,977,000 | 32,934,000 | 35,712,000 |
| Noninterest-bearing deposits | 6,406,000 | 5,557,000 | 5,365,000 | 6,335,000 |
| Equity capital | 3,185,000 | 3,332,000 | 3,356,000 | 3,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 510,000 | 1,045,000 | 1,603,000 | 2,238,000 |
| Interest expense | 123,000 | 263,000 | 424,000 | 674,000 |
| Net interest income | 387,000 | 782,000 | 1,179,000 | 1,564,000 |
| Noninterest income | 46,000 | 102,000 | 159,000 | 210,000 |
| Noninterest expense | 305,000 | 603,000 | 916,000 | 1,219,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 128,000 | 283,000 | 424,000 | 557,000 |
| Income tax | 4,000 | 8,000 | 12,000 | 17,000 |
| Net income | 124,000 | 275,000 | 412,000 | 540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,237,000 | 3,317,000 | 3,388,000 | 3,315,000 |
| Total capital | 3,557,000 | 3,634,000 | 3,704,000 | 3,632,000 |
| Risk-weighted assets | 27,432,000 | 26,244,000 | 29,443,000 | 31,000,000 |