Call reports 2007
STATE BANK OF BERN — 2007
What STATE BANK OF BERN reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 45,785,000 | 45,876,000 | 46,615,000 | 51,401,000 |
| Total loans | 25,632,000 | 26,226,000 | 25,433,000 | 26,483,000 |
| Allowance for loan losses | 441,000 | 441,000 | 432,000 | 397,000 |
| Securities available for sale | 16,356,000 | 16,884,000 | 17,297,000 | 18,579,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,258,000 | 39,409,000 | 39,690,000 | 44,517,000 |
| Interest-bearing deposits | 34,007,000 | 34,052,000 | 34,181,000 | 36,187,000 |
| Noninterest-bearing deposits | 5,251,000 | 5,357,000 | 5,509,000 | 8,331,000 |
| Equity capital | 6,072,000 | 6,057,000 | 6,313,000 | 6,299,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 742,000 | 1,496,000 | 2,271,000 | 3,093,000 |
| Interest expense | 312,000 | 635,000 | 975,000 | 1,326,000 |
| Net interest income | 430,000 | 861,000 | 1,296,000 | 1,767,000 |
| Noninterest income | 24,000 | 47,000 | 72,000 | 99,000 |
| Noninterest expense | 302,000 | 606,000 | 906,000 | 1,310,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 152,000 | 302,000 | 446,000 | 540,000 |
| Income tax | 26,000 | 68,000 | 115,000 | 136,000 |
| Net income | 126,000 | 234,000 | 331,000 | 404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,093,000 | 6,199,000 | 6,296,000 | 6,218,000 |
| Total capital | 6,463,000 | 6,569,000 | 6,676,000 | 6,615,000 |
| Risk-weighted assets | 29,282,000 | 29,605,000 | 29,679,000 | 31,753,000 |