Call reports 2006
STATE BANK OF BERN — 2006
What STATE BANK OF BERN reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 43,911,000 | 43,348,000 | 43,900,000 | 45,716,000 |
| Total loans | 23,815,000 | 23,866,000 | 24,396,000 | 25,055,000 |
| Allowance for loan losses | 449,000 | 444,000 | 445,000 | 441,000 |
| Securities available for sale | 17,301,000 | 17,598,000 | 16,748,000 | 17,536,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,956,000 | 37,392,000 | 37,426,000 | 39,409,000 |
| Interest-bearing deposits | 33,018,000 | 32,697,000 | 32,503,000 | 33,293,000 |
| Noninterest-bearing deposits | 4,938,000 | 4,696,000 | 4,923,000 | 6,116,000 |
| Equity capital | 5,734,000 | 5,730,000 | 6,062,000 | 5,921,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 647,000 | 1,304,000 | 1,990,000 | 2,717,000 |
| Interest expense | 225,000 | 484,000 | 768,000 | 1,069,000 |
| Net interest income | 422,000 | 820,000 | 1,222,000 | 1,648,000 |
| Noninterest income | 31,000 | 56,000 | 82,000 | 104,000 |
| Noninterest expense | 295,000 | 617,000 | 888,000 | 1,337,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 158,000 | 250,000 | 365,000 | 364,000 |
| Income tax | 39,000 | 64,000 | 75,000 | 61,000 |
| Net income | 119,000 | 186,000 | 290,000 | 303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,932,000 | 6,171,000 | 6,103,000 | 5,966,000 |
| Total capital | 6,287,000 | 6,529,000 | 6,463,000 | 6,336,000 |
| Risk-weighted assets | 27,844,000 | 27,873,000 | 28,107,000 | 28,860,000 |