Call reports 2007
FIRST BANK OF BERNE — 2007
What FIRST BANK OF BERNE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 372,939,000 | 384,024,000 | 388,449,000 | 394,660,000 |
| Total loans | 282,184,000 | 284,934,000 | 285,604,000 | 292,790,000 |
| Allowance for loan losses | 2,659,000 | 2,651,000 | 2,538,000 | 2,766,000 |
| Securities available for sale | 60,703,000 | 57,543,000 | 71,100,000 | 65,994,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,582,000 | 280,758,000 | 281,912,000 | 291,698,000 |
| Interest-bearing deposits | 233,622,000 | 247,846,000 | 264,796,000 | 271,103,000 |
| Noninterest-bearing deposits | 31,960,000 | 32,912,000 | 17,116,000 | 20,595,000 |
| Equity capital | 28,430,000 | 27,874,000 | 29,375,000 | 30,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,343,000 | 10,707,000 | 16,368,000 | 22,110,000 |
| Interest expense | 2,994,000 | 5,943,000 | 9,039,000 | 11,907,000 |
| Net interest income | 2,349,000 | 4,764,000 | 7,329,000 | 10,203,000 |
| Noninterest income | 672,000 | 1,419,000 | 2,222,000 | 2,960,000 |
| Noninterest expense | 1,920,000 | 3,897,000 | 5,856,000 | 7,852,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 294,000 |
| Pretax income | 1,086,000 | 2,256,000 | 3,648,000 | 5,119,000 |
| Income tax | 7,000 | 7,000 | 7,000 | 7,000 |
| Net income | 1,079,000 | 2,249,000 | 3,641,000 | 5,112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,266,000 | 28,528,000 | 29,142,000 | 29,835,000 |
| Total capital | 30,925,000 | 31,179,000 | 31,680,000 | 32,601,000 |
| Risk-weighted assets | 254,898,000 | 260,738,000 | 262,747,000 | 270,097,000 |