Call reports 2007
BAY-HERMANN-BERGER BANK — 2007
What BAY-HERMANN-BERGER BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 46,252,000 | 43,663,000 | 44,094,000 | 46,512,000 |
| Total loans | 30,490,000 | 29,322,000 | 29,493,000 | 29,867,000 |
| Allowance for loan losses | 321,000 | 292,000 | 281,000 | 282,000 |
| Securities available for sale | 11,673,000 | 11,042,000 | 11,157,000 | 10,681,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,452,000 | 39,915,000 | 40,130,000 | 42,440,000 |
| Interest-bearing deposits | 36,093,000 | 33,316,000 | 33,725,000 | 35,206,000 |
| Noninterest-bearing deposits | 6,359,000 | 6,599,000 | 6,405,000 | 7,234,000 |
| Equity capital | 3,637,000 | 3,589,000 | 3,779,000 | 3,921,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 719,000 | 1,467,000 | 2,200,000 | 2,947,000 |
| Interest expense | 320,000 | 647,000 | 979,000 | 1,328,000 |
| Net interest income | 399,000 | 820,000 | 1,221,000 | 1,619,000 |
| Noninterest income | 56,000 | 116,000 | 176,000 | 234,000 |
| Noninterest expense | 329,000 | 666,000 | 991,000 | 1,302,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 125,000 | 269,000 | 405,000 | 550,000 |
| Income tax | 7,000 | 13,000 | 19,000 | 25,000 |
| Net income | 118,000 | 256,000 | 386,000 | 525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,644,000 | 3,722,000 | 3,791,000 | 3,869,000 |
| Total capital | 3,965,000 | 4,014,000 | 4,072,000 | 4,151,000 |
| Risk-weighted assets | 31,704,000 | 30,745,000 | 30,938,000 | 31,780,000 |