Call reports 2012
STATE BANK OF BERN — 2012
What STATE BANK OF BERN reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 77,504,000 | 78,233,000 | 80,696,000 | 80,410,000 |
| Total loans | 31,884,000 | 30,486,000 | 30,118,000 | 32,672,000 |
| Allowance for loan losses | 413,000 | 413,000 | 414,000 | 478,000 |
| Securities available for sale | 35,877,000 | 38,533,000 | 41,654,000 | 43,157,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,949,000 | 66,146,000 | 67,963,000 | 67,827,000 |
| Interest-bearing deposits | 56,592,000 | 57,246,000 | 57,348,000 | 54,590,000 |
| Noninterest-bearing deposits | 9,357,000 | 8,901,000 | 10,615,000 | 13,237,000 |
| Equity capital | 10,174,000 | 10,585,000 | 11,089,000 | 11,020,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 826,000 | 1,647,000 | 2,458,000 | 3,281,000 |
| Interest expense | 166,000 | 328,000 | 475,000 | 619,000 |
| Net interest income | 660,000 | 1,319,000 | 1,983,000 | 2,662,000 |
| Noninterest income | 20,000 | 40,000 | 59,000 | 77,000 |
| Noninterest expense | 299,000 | 610,000 | 904,000 | 1,433,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 449,000 | 817,000 | 1,229,000 | 1,397,000 |
| Income tax | 98,000 | 180,000 | 238,000 | 264,000 |
| Net income | 351,000 | 637,000 | 991,000 | 1,133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,273,000 | 9,558,000 | 9,913,000 | 9,905,000 |
| Total capital | 9,686,000 | 9,971,000 | 10,327,000 | 10,383,000 |
| Risk-weighted assets | 48,833,000 | 48,294,000 | 48,796,000 | 51,281,000 |