Call reports 2009
STATE BANK OF BERN — 2009
What STATE BANK OF BERN reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 52,564,000 | 55,379,000 | 55,957,000 | 58,039,000 |
| Total loans | 26,258,000 | 26,904,000 | 26,877,000 | 28,571,000 |
| Allowance for loan losses | 285,000 | 333,000 | 364,000 | 394,000 |
| Securities available for sale | 23,130,000 | 24,789,000 | 26,424,000 | 26,024,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,897,000 | 48,240,000 | 47,893,000 | 50,485,000 |
| Interest-bearing deposits | 39,925,000 | 42,084,000 | 41,397,000 | 42,896,000 |
| Noninterest-bearing deposits | 5,972,000 | 6,155,000 | 6,496,000 | 7,589,000 |
| Equity capital | 6,495,000 | 6,821,000 | 7,429,000 | 7,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 735,000 | 1,524,000 | 2,245,000 | 2,965,000 |
| Interest expense | 220,000 | 444,000 | 654,000 | 862,000 |
| Net interest income | 515,000 | 1,080,000 | 1,591,000 | 2,103,000 |
| Noninterest income | 24,000 | 49,000 | 75,000 | 100,000 |
| Noninterest expense | 314,000 | 642,000 | 958,000 | 1,431,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 195,000 | 414,000 | 605,000 | 643,000 |
| Income tax | 37,000 | 83,000 | 122,000 | 99,000 |
| Net income | 158,000 | 331,000 | 483,000 | 544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,716,000 | 6,889,000 | 7,041,000 | 6,952,000 |
| Total capital | 7,001,000 | 7,222,000 | 7,405,000 | 7,346,000 |
| Risk-weighted assets | 34,464,000 | 36,744,000 | 36,885,000 | 38,478,000 |