Call reports 2002
STATE BANK OF BERN — 2002
What STATE BANK OF BERN reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 25,195,000 | 24,793,000 | 24,134,000 | 26,055,000 |
| Total loans | 8,889,000 | 8,578,000 | 9,705,000 | 9,152,000 |
| Allowance for loan losses | 257,000 | 257,000 | 257,000 | 257,000 |
| Securities available for sale | 11,643,000 | 11,418,000 | 12,191,000 | 12,592,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,094,000 | 20,432,000 | 19,613,000 | 21,586,000 |
| Interest-bearing deposits | 18,558,000 | 17,988,000 | 17,447,000 | 18,563,000 |
| Noninterest-bearing deposits | 2,536,000 | 2,444,000 | 2,166,000 | 3,023,000 |
| Equity capital | 3,917,000 | 4,105,000 | 4,234,000 | 4,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 367,000 | 714,000 | 1,060,000 | 1,409,000 |
| Interest expense | 157,000 | 310,000 | 451,000 | 591,000 |
| Net interest income | 210,000 | 404,000 | 609,000 | 818,000 |
| Noninterest income | 5,000 | 11,000 | 21,000 | 41,000 |
| Noninterest expense | 120,000 | 235,000 | 348,000 | 551,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 95,000 | 180,000 | 283,000 | 307,000 |
| Income tax | 20,000 | 16,000 | 45,000 | 76,000 |
| Net income | 75,000 | 164,000 | 238,000 | 231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,790,000 | 3,879,000 | 3,953,000 | 3,897,000 |
| Total capital | 3,954,000 | 4,039,000 | 4,129,000 | 4,084,000 |
| Risk-weighted assets | 13,021,000 | 12,710,000 | 14,035,000 | 14,897,000 |