Call reports 2014
STATE BANK OF BERN — 2014
What STATE BANK OF BERN reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 90,019,000 | 89,422,000 | 89,067,000 | 91,362,000 |
| Total loans | 34,322,000 | 35,529,000 | 36,166,000 | 41,469,000 |
| Allowance for loan losses | 480,000 | 481,000 | 479,000 | 478,000 |
| Securities available for sale | 45,484,000 | 46,811,000 | 48,545,000 | 44,224,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,441,000 | 76,116,000 | 75,490,000 | 77,676,000 |
| Interest-bearing deposits | 64,628,000 | 63,789,000 | 62,783,000 | 63,517,000 |
| Noninterest-bearing deposits | 12,814,000 | 12,327,000 | 12,707,000 | 14,159,000 |
| Equity capital | 11,566,000 | 12,107,000 | 12,343,000 | 12,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 845,000 | 1,707,000 | 2,555,000 | 3,435,000 |
| Interest expense | 153,000 | 309,000 | 468,000 | 627,000 |
| Net interest income | 692,000 | 1,398,000 | 2,087,000 | 2,808,000 |
| Noninterest income | 22,000 | 46,000 | 69,000 | 93,000 |
| Noninterest expense | 318,000 | 644,000 | 957,000 | 1,403,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 396,000 | 800,000 | 1,199,000 | 1,498,000 |
| Income tax | 82,000 | 206,000 | 397,000 | 317,000 |
| Net income | 314,000 | 594,000 | 802,000 | 1,181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,187,000 | 11,467,000 | 11,675,000 | 11,855,000 |
| Total capital | 11,667,000 | 11,948,000 | 12,153,000 | 12,333,000 |
| Risk-weighted assets | 55,736,000 | 55,824,000 | 56,098,000 | 59,911,000 |