Call reports 2010
BAY-HERMANN-BERGER BANK — 2010
What BAY-HERMANN-BERGER BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 45,689,000 | 45,824,000 | 47,068,000 | 45,128,000 |
| Total loans | 29,693,000 | 28,477,000 | 28,437,000 | 26,175,000 |
| Allowance for loan losses | 299,000 | 396,000 | 401,000 | 594,000 |
| Securities available for sale | 9,763,000 | 10,357,000 | 11,592,000 | 13,417,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,371,000 | 41,449,000 | 42,383,000 | 41,151,000 |
| Interest-bearing deposits | 34,664,000 | 34,681,000 | 35,793,000 | 34,050,000 |
| Noninterest-bearing deposits | 6,707,000 | 6,768,000 | 6,590,000 | 7,101,000 |
| Equity capital | 4,261,000 | 4,306,000 | 4,586,000 | 3,904,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 520,000 | 1,059,000 | 1,598,000 | 2,127,000 |
| Interest expense | 132,000 | 264,000 | 388,000 | 499,000 |
| Net interest income | 388,000 | 795,000 | 1,210,000 | 1,628,000 |
| Noninterest income | 47,000 | 94,000 | 146,000 | 202,000 |
| Noninterest expense | 320,000 | 620,000 | 948,000 | 1,284,000 |
| Provision for loan losses | 12,000 | 110,000 | 116,000 | 527,000 |
| Pretax income | 103,000 | 159,000 | 292,000 | 19,000 |
| Income tax | 2,000 | 7,000 | 11,000 | 14,000 |
| Net income | 101,000 | 152,000 | 281,000 | 5,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,283,000 | 4,275,000 | 4,363,000 | 4,048,000 |
| Total capital | 4,582,000 | 4,660,000 | 4,741,000 | 4,399,000 |
| Risk-weighted assets | 31,796,000 | 30,791,000 | 30,217,000 | 27,825,000 |