Call reports 2008
BAY-HERMANN-BERGER BANK — 2008
What BAY-HERMANN-BERGER BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 45,320,000 | 45,985,000 | 43,684,000 | 42,803,000 |
| Total loans | 28,875,000 | 26,656,000 | 27,942,000 | 28,143,000 |
| Allowance for loan losses | 281,000 | 281,000 | 283,000 | 283,000 |
| Securities available for sale | 13,063,000 | 14,649,000 | 12,814,000 | 11,191,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,236,000 | 41,890,000 | 37,415,000 | 37,217,000 |
| Interest-bearing deposits | 35,457,000 | 35,419,000 | 31,073,000 | 30,402,000 |
| Noninterest-bearing deposits | 5,779,000 | 6,471,000 | 6,342,000 | 6,815,000 |
| Equity capital | 3,953,000 | 3,962,000 | 3,780,000 | 3,483,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 711,000 | 1,375,000 | 2,011,000 | 2,616,000 |
| Interest expense | 347,000 | 667,000 | 943,000 | 1,162,000 |
| Net interest income | 364,000 | 708,000 | 1,068,000 | 1,454,000 |
| Noninterest income | 66,000 | 134,000 | 196,000 | 257,000 |
| Noninterest expense | 335,000 | 655,000 | 985,000 | 1,303,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 95,000 | 194,000 | 289,000 | 422,000 |
| Income tax | 5,000 | 12,000 | 17,000 | 25,000 |
| Net income | 90,000 | 182,000 | 272,000 | 397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,911,000 | 3,970,000 | 4,016,000 | 4,041,000 |
| Total capital | 4,192,000 | 4,251,000 | 4,299,000 | 4,292,000 |
| Risk-weighted assets | 31,160,000 | 29,594,000 | 30,179,000 | 30,194,000 |