Call reports 2005
FIRST BANK OF BERNE — 2005
What FIRST BANK OF BERNE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 371,468,000 | 377,237,000 | 374,170,000 | 386,815,000 |
| Total loans | 264,420,000 | 267,734,000 | 269,911,000 | 279,002,000 |
| Allowance for loan losses | 2,687,000 | 2,684,000 | 2,645,000 | 2,594,000 |
| Securities available for sale | 77,637,000 | 78,578,000 | 72,801,000 | 72,609,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,791,000 | 259,637,000 | 254,439,000 | 262,733,000 |
| Interest-bearing deposits | 229,143,000 | 229,291,000 | 221,115,000 | 226,543,000 |
| Noninterest-bearing deposits | 31,648,000 | 30,346,000 | 33,324,000 | 36,190,000 |
| Equity capital | 43,243,000 | 44,783,000 | 48,433,000 | 48,520,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,758,000 | 9,585,000 | 14,561,000 | 19,579,000 |
| Interest expense | 2,106,000 | 4,235,000 | 6,469,000 | 8,783,000 |
| Net interest income | 2,652,000 | 5,350,000 | 8,092,000 | 10,796,000 |
| Noninterest income | 493,000 | 1,051,000 | 1,658,000 | 2,469,000 |
| Noninterest expense | 1,830,000 | 3,536,000 | 5,268,000 | 7,007,000 |
| Provision for loan losses | 7,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 1,308,000 | 2,850,000 | 4,457,000 | 6,226,000 |
| Income tax | 344,000 | 766,000 | 1,222,000 | 1,738,000 |
| Net income | 964,000 | 2,084,000 | 3,235,000 | 4,488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,559,000 | 44,228,000 | 48,046,000 | 48,596,000 |
| Total capital | 45,246,000 | 46,912,000 | 50,691,000 | 51,190,000 |
| Risk-weighted assets | 232,950,000 | 241,400,000 | 239,720,000 | 250,557,000 |