Call reports 2003
FIRST BANK OF BERNE — 2003
What FIRST BANK OF BERNE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 348,945,000 | 349,773,000 | 362,124,000 | 369,442,000 |
| Total loans | 242,763,000 | 246,439,000 | 248,734,000 | 251,745,000 |
| Allowance for loan losses | 2,506,000 | 2,545,000 | 2,549,000 | 2,530,000 |
| Securities available for sale | 79,292,000 | 74,765,000 | 83,470,000 | 77,093,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,958,000 | 245,918,000 | 253,068,000 | 261,307,000 |
| Interest-bearing deposits | 217,565,000 | 219,604,000 | 226,110,000 | 232,044,000 |
| Noninterest-bearing deposits | 25,393,000 | 26,314,000 | 26,958,000 | 29,263,000 |
| Equity capital | 37,772,000 | 38,570,000 | 38,857,000 | 39,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,029,000 | 9,857,000 | 14,579,000 | 19,289,000 |
| Interest expense | 2,267,000 | 4,456,000 | 6,610,000 | 8,679,000 |
| Net interest income | 2,762,000 | 5,401,000 | 7,969,000 | 10,610,000 |
| Noninterest income | 309,000 | 752,000 | 1,138,000 | 1,549,000 |
| Noninterest expense | 1,554,000 | 3,262,000 | 4,899,000 | 6,546,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 1,507,000 | 2,855,000 | 4,127,000 | 5,487,000 |
| Income tax | 475,000 | 845,000 | 1,196,000 | 1,578,000 |
| Net income | 1,032,000 | 2,010,000 | 2,931,000 | 3,909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,776,000 | 37,153,000 | 38,074,000 | 38,802,000 |
| Total capital | 39,282,000 | 39,698,000 | 40,623,000 | 41,332,000 |
| Risk-weighted assets | 208,687,000 | 212,937,000 | 216,535,000 | 217,435,000 |