Call reports 2006
BAY-HERMANN-BERGER BANK — 2006
What BAY-HERMANN-BERGER BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 45,042,000 | 44,319,000 | 44,591,000 | 46,362,000 |
| Total loans | 27,560,000 | 28,337,000 | 27,837,000 | 29,519,000 |
| Allowance for loan losses | 317,000 | 318,000 | 318,000 | 321,000 |
| Securities available for sale | 11,664,000 | 12,684,000 | 12,917,000 | 12,692,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,745,000 | 41,021,000 | 40,999,000 | 42,596,000 |
| Interest-bearing deposits | 34,998,000 | 34,498,000 | 35,329,000 | 35,516,000 |
| Noninterest-bearing deposits | 6,747,000 | 6,523,000 | 5,670,000 | 7,081,000 |
| Equity capital | 3,211,000 | 3,131,000 | 3,439,000 | 3,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 636,000 | 1,291,000 | 1,967,000 | 2,702,000 |
| Interest expense | 258,000 | 521,000 | 812,000 | 1,145,000 |
| Net interest income | 378,000 | 770,000 | 1,155,000 | 1,557,000 |
| Noninterest income | 49,000 | 118,000 | 193,000 | 255,000 |
| Noninterest expense | 319,000 | 642,000 | 968,000 | 1,297,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 108,000 | 245,000 | 379,000 | 514,000 |
| Income tax | 5,000 | 11,000 | 17,000 | 24,000 |
| Net income | 103,000 | 234,000 | 362,000 | 490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,372,000 | 3,449,000 | 3,514,000 | 3,582,000 |
| Total capital | 3,689,000 | 3,767,000 | 3,832,000 | 3,903,000 |
| Risk-weighted assets | 29,065,000 | 29,281,000 | 29,134,000 | 30,858,000 |