Call reports 2002
FIRST BANK OF BERNE — 2002
What FIRST BANK OF BERNE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 321,602,000 | 328,288,000 | 332,926,000 | 342,494,000 |
| Total loans | 221,971,000 | 227,936,000 | 233,896,000 | 244,406,000 |
| Allowance for loan losses | 2,364,000 | 2,352,000 | 2,099,000 | 2,462,000 |
| Securities available for sale | 76,193,000 | 73,244,000 | 75,479,000 | 64,920,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,550,000 | 233,493,000 | 230,402,000 | 237,403,000 |
| Interest-bearing deposits | 204,314,000 | 210,071,000 | 204,417,000 | 211,005,000 |
| Noninterest-bearing deposits | 24,236,000 | 23,422,000 | 25,985,000 | 26,398,000 |
| Equity capital | 34,386,000 | 35,025,000 | 36,245,000 | 36,619,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,892,000 | 9,896,000 | 15,003,000 | 20,155,000 |
| Interest expense | 2,367,000 | 4,689,000 | 7,019,000 | 9,340,000 |
| Net interest income | 2,525,000 | 5,207,000 | 7,984,000 | 10,815,000 |
| Noninterest income | 267,000 | 561,000 | 833,000 | 1,119,000 |
| Noninterest expense | 1,334,000 | 2,720,000 | 4,155,000 | 5,615,000 |
| Provision for loan losses | 0 | 0 | 0 | 400,000 |
| Pretax income | 1,510,000 | 3,105,000 | 4,737,000 | 5,997,000 |
| Income tax | 452,000 | 996,000 | 1,506,000 | 1,883,000 |
| Net income | 1,058,000 | 2,109,000 | 3,231,000 | 4,114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,284,000 | 34,335,000 | 35,157,000 | 35,743,000 |
| Total capital | 36,648,000 | 36,687,000 | 37,256,000 | 38,205,000 |
| Risk-weighted assets | 199,511,000 | 199,462,000 | 202,652,000 | 209,209,000 |