Call reports 2011
STATE BANK OF BERN — 2011
What STATE BANK OF BERN reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 65,871,000 | 68,222,000 | 68,204,000 | 72,938,000 |
| Total loans | 30,494,000 | 31,869,000 | 31,300,000 | 35,481,000 |
| Allowance for loan losses | 430,000 | 424,000 | 425,000 | 404,000 |
| Securities available for sale | 27,008,000 | 30,095,000 | 31,990,000 | 33,068,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,975,000 | 58,483,000 | 57,311,000 | 61,907,000 |
| Interest-bearing deposits | 49,169,000 | 50,653,000 | 49,768,000 | 51,966,000 |
| Noninterest-bearing deposits | 7,806,000 | 7,829,000 | 7,543,000 | 9,940,000 |
| Equity capital | 8,014,000 | 8,663,000 | 9,617,000 | 9,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 749,000 | 1,558,000 | 2,353,000 | 3,188,000 |
| Interest expense | 180,000 | 357,000 | 528,000 | 695,000 |
| Net interest income | 569,000 | 1,201,000 | 1,825,000 | 2,493,000 |
| Noninterest income | 16,000 | 42,000 | 70,000 | 91,000 |
| Noninterest expense | 305,000 | 619,000 | 916,000 | 1,347,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 272,000 | 616,000 | 968,000 | 1,226,000 |
| Income tax | 86,000 | 115,000 | 197,000 | 202,000 |
| Net income | 186,000 | 501,000 | 771,000 | 1,024,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,814,000 | 8,130,000 | 8,820,000 | 8,922,000 |
| Total capital | 8,244,000 | 8,554,000 | 9,245,000 | 9,326,000 |
| Risk-weighted assets | 44,222,000 | 46,069,000 | 45,692,000 | 50,454,000 |