Bernerland Bank

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Year	Equity	Capital	Reserves	Balance
2002	69,315	9,310	60,005	1,233,343
2003	71,315	9,310	62,005	1,228,372
2004	73,515	9,310	64,205	1,203,138
2005	75,915	9,310	66,605	1,208,482
2006	78,415	9,310	69,105	1,229,512