Call reports 2004
FIRST BANK OF BERNE — 2004
What FIRST BANK OF BERNE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 358,517,000 | 359,456,000 | 365,552,000 | 382,229,000 |
| Total loans | 253,069,000 | 257,215,000 | 261,885,000 | 266,834,000 |
| Allowance for loan losses | 2,567,000 | 2,617,000 | 2,657,000 | 2,676,000 |
| Securities available for sale | 79,661,000 | 75,530,000 | 75,059,000 | 82,879,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,457,000 | 244,287,000 | 252,899,000 | 269,139,000 |
| Interest-bearing deposits | 217,400,000 | 214,873,000 | 221,286,000 | 234,072,000 |
| Noninterest-bearing deposits | 29,057,000 | 29,414,000 | 31,613,000 | 35,067,000 |
| Equity capital | 40,954,000 | 40,449,000 | 42,318,000 | 42,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,592,000 | 9,110,000 | 13,735,000 | 18,519,000 |
| Interest expense | 1,970,000 | 3,907,000 | 5,927,000 | 8,028,000 |
| Net interest income | 2,622,000 | 5,203,000 | 7,808,000 | 10,491,000 |
| Noninterest income | 442,000 | 930,000 | 1,393,000 | 1,888,000 |
| Noninterest expense | 1,646,000 | 3,274,000 | 4,931,000 | 6,702,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 1,404,000 | 2,800,000 | 4,129,000 | 5,491,000 |
| Income tax | 389,000 | 754,000 | 1,088,000 | 1,444,000 |
| Net income | 1,015,000 | 2,046,000 | 3,041,000 | 4,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,567,000 | 40,498,000 | 41,393,000 | 42,148,000 |
| Total capital | 42,134,000 | 43,115,000 | 44,050,000 | 44,824,000 |
| Risk-weighted assets | 220,866,000 | 224,240,000 | 227,205,000 | 233,597,000 |