Call reports 2015
STATE BANK OF BERN — 2015
What STATE BANK OF BERN reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 89,683,000 | 88,129,000 | 89,714,000 | 92,463,000 |
| Total loans | 42,048,000 | 39,738,000 | 39,536,000 | 44,133,000 |
| Allowance for loan losses | 478,000 | 466,000 | 465,000 | 465,000 |
| Securities available for sale | 42,113,000 | 43,954,000 | 44,332,000 | 43,770,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,534,000 | 74,227,000 | 75,312,000 | 78,132,000 |
| Interest-bearing deposits | 62,963,000 | 61,802,000 | 62,377,000 | 64,096,000 |
| Noninterest-bearing deposits | 12,571,000 | 12,425,000 | 12,935,000 | 14,036,000 |
| Equity capital | 12,953,000 | 12,926,000 | 13,401,000 | 13,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 938,000 | 1,828,000 | 2,717,000 | 3,631,000 |
| Interest expense | 157,000 | 314,000 | 473,000 | 632,000 |
| Net interest income | 781,000 | 1,514,000 | 2,244,000 | 2,999,000 |
| Noninterest income | 32,000 | 57,000 | 81,000 | 108,000 |
| Noninterest expense | 314,000 | 642,000 | 962,000 | 1,446,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 499,000 | 929,000 | 1,354,000 | 1,652,000 |
| Income tax | 142,000 | 254,000 | 404,000 | 383,000 |
| Net income | 357,000 | 675,000 | 950,000 | 1,269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,211,000 | 12,529,000 | 12,803,000 | 12,924,000 |
| Total capital | 12,689,000 | 12,995,000 | 13,268,000 | 13,389,000 |
| Risk-weighted assets | 60,802,000 | 58,059,000 | 63,210,000 | 65,823,000 |