Call reports 2016
STATE BANK OF BERN — 2016
What STATE BANK OF BERN reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 93,007,000 | 93,645,000 | 92,423,000 | 92,283,000 |
| Total loans | 44,534,000 | 43,413,000 | 44,327,000 | 45,058,000 |
| Allowance for loan losses | 465,000 | 458,000 | 458,000 | 715,000 |
| Securities available for sale | 43,026,000 | 43,056,000 | 42,687,000 | 43,047,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,470,000 | 78,536,000 | 77,417,000 | 78,213,000 |
| Interest-bearing deposits | 65,454,000 | 65,400,000 | 64,078,000 | 64,739,000 |
| Noninterest-bearing deposits | 13,016,000 | 13,136,000 | 13,339,000 | 13,474,000 |
| Equity capital | 13,540,000 | 13,983,000 | 14,110,000 | 13,510,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 943,000 | 1,869,000 | 2,804,000 | 3,738,000 |
| Interest expense | 161,000 | 324,000 | 491,000 | 654,000 |
| Net interest income | 782,000 | 1,545,000 | 2,313,000 | 3,084,000 |
| Noninterest income | 28,000 | 57,000 | 86,000 | 115,000 |
| Noninterest expense | 325,000 | 674,000 | 1,025,000 | 1,552,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 485,000 | 930,000 | 1,376,000 | 1,449,000 |
| Income tax | 80,000 | 249,000 | 426,000 | 353,000 |
| Net income | 405,000 | 681,000 | 950,000 | 1,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,908,000 | 13,185,000 | 13,454,000 | 13,384,000 |
| Total capital | 13,373,000 | 13,643,000 | 13,912,000 | 14,099,000 |
| Risk-weighted assets | 72,227,000 | 65,204,000 | 60,626,000 | 66,690,000 |