Call reports 2005
STATE BANK OF BERN — 2005
What STATE BANK OF BERN reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 45,736,000 | 45,948,000 | 43,729,000 | 43,625,000 |
| Total loans | 20,845,000 | 20,959,000 | 21,563,000 | 24,152,000 |
| Allowance for loan losses | 448,000 | 449,000 | 449,000 | 449,000 |
| Securities available for sale | 20,175,000 | 20,390,000 | 19,081,000 | 17,328,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,074,000 | 39,915,000 | 37,673,000 | 37,680,000 |
| Interest-bearing deposits | 34,894,000 | 34,114,000 | 32,711,000 | 32,291,000 |
| Noninterest-bearing deposits | 5,180,000 | 5,801,000 | 4,963,000 | 5,389,000 |
| Equity capital | 5,553,000 | 5,839,000 | 5,879,000 | 5,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 562,000 | 1,140,000 | 1,725,000 | 2,337,000 |
| Interest expense | 166,000 | 338,000 | 518,000 | 719,000 |
| Net interest income | 396,000 | 802,000 | 1,207,000 | 1,618,000 |
| Noninterest income | 25,000 | 44,000 | 66,000 | 86,000 |
| Noninterest expense | 250,000 | 508,000 | 788,000 | 1,243,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 171,000 | 327,000 | 425,000 | 355,000 |
| Income tax | 36,000 | 47,000 | 49,000 | 32,000 |
| Net income | 135,000 | 280,000 | 376,000 | 323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,744,000 | 5,889,000 | 5,987,000 | 5,914,000 |
| Total capital | 6,083,000 | 6,230,000 | 6,317,000 | 6,276,000 |
| Risk-weighted assets | 26,561,000 | 26,388,000 | 26,052,000 | 28,151,000 |