Call reports 2009
BAY-HERMANN-BERGER BANK — 2009
What BAY-HERMANN-BERGER BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 43,019,000 | 41,370,000 | 41,381,000 | 44,488,000 |
| Total loans | 28,623,000 | 29,417,000 | 29,208,000 | 28,830,000 |
| Allowance for loan losses | 284,000 | 276,000 | 292,000 | 292,000 |
| Securities available for sale | 10,131,000 | 9,000,000 | 8,972,000 | 9,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,118,000 | 36,768,000 | 37,018,000 | 40,134,000 |
| Interest-bearing deposits | 30,358,000 | 30,237,000 | 30,501,000 | 33,796,000 |
| Noninterest-bearing deposits | 6,760,000 | 6,531,000 | 6,517,000 | 6,338,000 |
| Equity capital | 3,829,000 | 3,998,000 | 4,269,000 | 4,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 555,000 | 1,110,000 | 1,661,000 | 2,203,000 |
| Interest expense | 173,000 | 335,000 | 490,000 | 637,000 |
| Net interest income | 382,000 | 775,000 | 1,171,000 | 1,566,000 |
| Noninterest income | 45,000 | 98,000 | 158,000 | 211,000 |
| Noninterest expense | 334,000 | 679,000 | 1,024,000 | 1,353,000 |
| Provision for loan losses | 0 | 2,000 | 8,000 | 14,000 |
| Pretax income | 93,000 | 194,000 | 299,000 | 412,000 |
| Income tax | 6,000 | 8,000 | 8,000 | 21,000 |
| Net income | 87,000 | 186,000 | 291,000 | 391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,078,000 | 4,130,000 | 4,203,000 | 4,226,000 |
| Total capital | 4,362,000 | 4,406,000 | 4,495,000 | 4,518,000 |
| Risk-weighted assets | 29,950,000 | 30,016,000 | 31,195,000 | 30,836,000 |