Call reports 2004
STATE BANK OF BERN — 2004
What STATE BANK OF BERN reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 47,060,000 | 45,774,000 | 44,970,000 | 45,783,000 |
| Total loans | 21,580,000 | 21,500,000 | 20,753,000 | 21,324,000 |
| Allowance for loan losses | 572,000 | 474,000 | 479,000 | 439,000 |
| Securities available for sale | 16,798,000 | 20,841,000 | 20,255,000 | 19,108,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,999,000 | 40,105,000 | 38,895,000 | 39,989,000 |
| Interest-bearing deposits | 35,452,000 | 35,586,000 | 34,391,000 | 34,443,000 |
| Noninterest-bearing deposits | 5,547,000 | 4,519,000 | 4,505,000 | 5,546,000 |
| Equity capital | 5,638,000 | 5,411,000 | 5,682,000 | 5,581,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 564,000 | 1,124,000 | 1,692,000 | 2,252,000 |
| Interest expense | 172,000 | 332,000 | 494,000 | 653,000 |
| Net interest income | 392,000 | 792,000 | 1,198,000 | 1,599,000 |
| Noninterest income | 20,000 | 42,000 | 62,000 | 83,000 |
| Noninterest expense | 273,000 | 549,000 | 817,000 | 1,204,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 195,000 | 341,000 | 500,000 | 535,000 |
| Income tax | 23,000 | 105,000 | 200,000 | 133,000 |
| Net income | 172,000 | 236,000 | 300,000 | 402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,501,000 | 5,564,000 | 5,629,000 | 5,609,000 |
| Total capital | 5,839,000 | 5,915,000 | 5,969,000 | 5,949,000 |
| Risk-weighted assets | 26,842,000 | 27,180,000 | 26,263,000 | 26,359,000 |