Call reports 2003
STATE BANK OF BERN — 2003
What STATE BANK OF BERN reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 26,305,000 | 26,289,000 | 26,155,000 | 26,396,000 |
| Total loans | 9,151,000 | 9,160,000 | 9,510,000 | 9,666,000 |
| Allowance for loan losses | 257,000 | 257,000 | 258,000 | 258,000 |
| Securities available for sale | 13,741,000 | 12,263,000 | 13,871,000 | 12,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,003,000 | 21,811,000 | 21,715,000 | 22,127,000 |
| Interest-bearing deposits | 19,216,000 | 18,985,000 | 19,375,000 | 19,427,000 |
| Noninterest-bearing deposits | 2,787,000 | 2,826,000 | 2,340,000 | 2,700,000 |
| Equity capital | 3,991,000 | 4,232,000 | 4,150,000 | 3,958,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 348,000 | 655,000 | 954,000 | 1,264,000 |
| Interest expense | 121,000 | 235,000 | 345,000 | 452,000 |
| Net interest income | 227,000 | 420,000 | 609,000 | 812,000 |
| Noninterest income | 8,000 | 15,000 | 22,000 | 29,000 |
| Noninterest expense | 111,000 | 227,000 | 346,000 | 545,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 194,000 | 433,000 | 499,000 | 499,000 |
| Income tax | 61,000 | 23,000 | 106,000 | 184,000 |
| Net income | 133,000 | 410,000 | 393,000 | 315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,780,000 | 4,056,000 | 4,040,000 | 3,862,000 |
| Total capital | 3,956,000 | 4,231,000 | 4,219,000 | 4,040,000 |
| Risk-weighted assets | 14,031,000 | 13,833,000 | 14,251,000 | 14,161,000 |