Call reports 2018
STATE BANK OF BERN — 2018
What STATE BANK OF BERN reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 96,406,000 | 92,500,000 | 92,120,000 | 93,963,000 |
| Total loans | 48,792,000 | 47,173,000 | 46,770,000 | 48,957,000 |
| Allowance for loan losses | 625,000 | 676,000 | 726,000 | 777,000 |
| Securities available for sale | 40,959,000 | 41,046,000 | 38,496,000 | 37,826,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,563,000 | 77,426,000 | 76,958,000 | 78,650,000 |
| Interest-bearing deposits | 66,884,000 | 62,794,000 | 61,915,000 | 61,408,000 |
| Noninterest-bearing deposits | 14,679,000 | 14,632,000 | 15,043,000 | 17,242,000 |
| Equity capital | 14,434,000 | 14,638,000 | 14,696,000 | 14,905,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 956,000 | 1,926,000 | 2,863,000 | 3,828,000 |
| Interest expense | 171,000 | 349,000 | 536,000 | 726,000 |
| Net interest income | 785,000 | 1,577,000 | 2,327,000 | 3,102,000 |
| Noninterest income | 21,000 | 39,000 | 60,000 | 80,000 |
| Noninterest expense | 362,000 | 739,000 | 1,115,000 | 1,683,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 200,000 |
| Pretax income | 394,000 | 777,000 | 1,112,000 | 1,283,000 |
| Income tax | 0 | 144,000 | 275,000 | 266,000 |
| Net income | 394,000 | 633,000 | 837,000 | 1,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,580,000 | 14,820,000 | 15,023,000 | 15,003,000 |
| Total capital | 15,205,000 | 15,496,000 | 15,749,000 | 15,780,000 |
| Risk-weighted assets | 66,601,000 | 66,173,000 | 64,036,000 | 67,580,000 |