Call reports 2008
FIRST BANK OF BERNE — 2008
What FIRST BANK OF BERNE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 394,579,000 | 396,733,000 | 401,652,000 | 406,458,000 |
| Total loans | 291,724,000 | 291,253,000 | 296,382,000 | 303,820,000 |
| Allowance for loan losses | 2,853,000 | 2,943,000 | 3,085,000 | 3,696,000 |
| Securities available for sale | 69,827,000 | 70,637,000 | 71,352,000 | 68,381,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,960,000 | 286,303,000 | 280,963,000 | 285,906,000 |
| Interest-bearing deposits | 260,510,000 | 267,203,000 | 261,653,000 | 266,480,000 |
| Noninterest-bearing deposits | 18,450,000 | 19,100,000 | 19,310,000 | 19,426,000 |
| Equity capital | 32,234,000 | 31,558,000 | 33,105,000 | 35,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,661,000 | 11,232,000 | 16,874,000 | 22,599,000 |
| Interest expense | 2,590,000 | 4,894,000 | 7,153,000 | 9,381,000 |
| Net interest income | 3,071,000 | 6,338,000 | 9,721,000 | 13,218,000 |
| Noninterest income | 821,000 | 1,795,000 | 2,857,000 | 3,759,000 |
| Noninterest expense | 2,010,000 | 4,053,000 | 6,233,000 | 8,286,000 |
| Provision for loan losses | 99,000 | 282,000 | 557,000 | 1,232,000 |
| Pretax income | 1,783,000 | 3,800,000 | 5,790,000 | 7,461,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,783,000 | 3,800,000 | 5,790,000 | 7,461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,468,000 | 31,532,000 | 32,346,000 | 34,097,000 |
| Total capital | 33,321,000 | 34,475,000 | 35,431,000 | 37,671,000 |
| Risk-weighted assets | 267,168,000 | 270,653,000 | 274,905,000 | 285,780,000 |