Call reports 2008
STATE BANK OF BERN — 2008
What STATE BANK OF BERN reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 52,407,000 | 53,563,000 | 50,810,000 | 51,074,000 |
| Total loans | 24,576,000 | 23,657,000 | 23,840,000 | 25,237,000 |
| Allowance for loan losses | 397,000 | 397,000 | 396,000 | 347,000 |
| Securities available for sale | 22,486,000 | 22,918,000 | 23,595,000 | 23,565,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,194,000 | 46,648,000 | 44,082,000 | 44,515,000 |
| Interest-bearing deposits | 37,793,000 | 37,869,000 | 37,209,000 | 37,730,000 |
| Noninterest-bearing deposits | 7,401,000 | 8,779,000 | 6,873,000 | 6,785,000 |
| Equity capital | 6,523,000 | 6,403,000 | 6,445,000 | 6,374,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 844,000 | 1,622,000 | 2,341,000 | 3,105,000 |
| Interest expense | 349,000 | 650,000 | 927,000 | 1,168,000 |
| Net interest income | 495,000 | 972,000 | 1,414,000 | 1,937,000 |
| Noninterest income | 25,000 | 50,000 | 77,000 | 99,000 |
| Noninterest expense | 308,000 | 624,000 | 913,000 | 1,345,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 212,000 | 398,000 | 329,000 | 438,000 |
| Income tax | 70,000 | 119,000 | 40,000 | 51,000 |
| Net income | 142,000 | 279,000 | 289,000 | 387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,362,000 | 6,497,000 | 6,702,000 | 6,558,000 |
| Total capital | 6,759,000 | 6,894,000 | 7,098,000 | 6,905,000 |
| Risk-weighted assets | 31,267,000 | 31,567,000 | 31,946,000 | 32,836,000 |