Call reports 2017
STATE BANK OF BERN — 2017
What STATE BANK OF BERN reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 92,770,000 | 93,544,000 | 93,275,000 | 95,538,000 |
| Total loans | 43,988,000 | 45,853,000 | 47,038,000 | 48,104,000 |
| Allowance for loan losses | 783,000 | 785,000 | 860,000 | 575,000 |
| Securities available for sale | 45,499,000 | 43,679,000 | 41,708,000 | 41,974,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,246,000 | 78,686,000 | 78,263,000 | 80,779,000 |
| Interest-bearing deposits | 64,614,000 | 64,709,000 | 65,002,000 | 65,394,000 |
| Noninterest-bearing deposits | 13,632,000 | 13,977,000 | 13,261,000 | 15,385,000 |
| Equity capital | 13,919,000 | 14,193,000 | 14,368,000 | 14,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 895,000 | 1,814,000 | 2,745,000 | 3,673,000 |
| Interest expense | 161,000 | 326,000 | 495,000 | 668,000 |
| Net interest income | 734,000 | 1,488,000 | 2,250,000 | 3,005,000 |
| Noninterest income | 31,000 | 55,000 | 78,000 | 100,000 |
| Noninterest expense | 324,000 | 671,000 | 1,009,000 | 1,561,000 |
| Provision for loan losses | 125,000 | 125,000 | 200,000 | 200,000 |
| Pretax income | 316,000 | 747,000 | 1,119,000 | 1,344,000 |
| Income tax | 0 | 232,000 | 363,000 | 341,000 |
| Net income | 316,000 | 515,000 | 756,000 | 1,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,700,000 | 13,899,000 | 14,140,000 | 14,187,000 |
| Total capital | 14,483,000 | 14,650,000 | 14,956,000 | 14,762,000 |
| Risk-weighted assets | 62,789,000 | 60,048,000 | 65,287,000 | 66,795,000 |