Call reports 2013
STATE BANK OF BERN — 2013
What STATE BANK OF BERN reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 81,954,000 | 78,791,000 | 82,129,000 | 85,080,000 |
| Total loans | 31,008,000 | 31,224,000 | 32,575,000 | 36,897,000 |
| Allowance for loan losses | 478,000 | 478,000 | 480,000 | 480,000 |
| Securities available for sale | 42,343,000 | 44,539,000 | 46,092,000 | 44,369,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,210,000 | 66,997,000 | 70,136,000 | 72,396,000 |
| Interest-bearing deposits | 57,494,000 | 57,834,000 | 59,249,000 | 58,644,000 |
| Noninterest-bearing deposits | 11,716,000 | 9,163,000 | 10,887,000 | 13,752,000 |
| Equity capital | 11,234,000 | 10,820,000 | 11,015,000 | 10,851,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 800,000 | 1,591,000 | 2,416,000 | 3,268,000 |
| Interest expense | 139,000 | 280,000 | 425,000 | 574,000 |
| Net interest income | 661,000 | 1,311,000 | 1,991,000 | 2,694,000 |
| Noninterest income | 18,000 | 40,000 | 66,000 | 89,000 |
| Noninterest expense | 307,000 | 619,000 | 938,000 | 1,374,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 372,000 | 732,000 | 1,119,000 | 1,390,000 |
| Income tax | 110,000 | 153,000 | 233,000 | 273,000 |
| Net income | 262,000 | 579,000 | 886,000 | 1,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,168,000 | 10,485,000 | 10,791,000 | 10,871,000 |
| Total capital | 10,646,000 | 10,963,000 | 11,271,000 | 11,351,000 |
| Risk-weighted assets | 50,550,000 | 50,657,000 | 52,778,000 | 56,939,000 |