Call reports 2009
FIRST BANK OF BERNE — 2009
What FIRST BANK OF BERNE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 403,851,000 | 396,146,000 | 395,026,000 | 415,717,000 |
| Total loans | 297,662,000 | 293,994,000 | 298,154,000 | 304,662,000 |
| Allowance for loan losses | 3,901,000 | 4,088,000 | 4,224,000 | 4,320,000 |
| Securities available for sale | 71,772,000 | 68,919,000 | 66,799,000 | 64,010,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,191,000 | 278,182,000 | 269,419,000 | 290,470,000 |
| Interest-bearing deposits | 264,811,000 | 258,772,000 | 251,700,000 | 267,337,000 |
| Noninterest-bearing deposits | 19,380,000 | 19,410,000 | 17,719,000 | 23,133,000 |
| Equity capital | 36,073,000 | 36,388,000 | 38,201,000 | 39,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,523,000 | 11,058,000 | 16,449,000 | 21,865,000 |
| Interest expense | 1,991,000 | 3,789,000 | 5,490,000 | 7,125,000 |
| Net interest income | 3,532,000 | 7,269,000 | 10,959,000 | 14,740,000 |
| Noninterest income | 972,000 | 2,068,000 | 3,197,000 | 4,283,000 |
| Noninterest expense | 2,193,000 | 4,501,000 | 6,691,000 | 9,143,000 |
| Provision for loan losses | 225,000 | 450,000 | 600,000 | 750,000 |
| Pretax income | 2,086,000 | 4,386,000 | 6,658,000 | 8,862,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,086,000 | 4,386,000 | 6,658,000 | 8,862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,348,000 | 35,145,000 | 36,070,000 | 37,234,000 |
| Total capital | 37,872,000 | 38,620,000 | 39,669,000 | 40,925,000 |
| Risk-weighted assets | 281,577,000 | 277,381,000 | 287,291,000 | 294,649,000 |