Call reports 2019
STATE BANK OF BERN — 2019
What STATE BANK OF BERN reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 93,337,000 | 92,355,000 | 94,603,000 | 96,060,000 |
| Total loans | 49,808,000 | 49,541,000 | 50,122,000 | 50,892,000 |
| Allowance for loan losses | 778,000 | 806,000 | 731,000 | 727,000 |
| Securities available for sale | 36,634,000 | 34,219,000 | 39,044,000 | 36,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,330,000 | 76,056,000 | 77,790,000 | 79,726,000 |
| Interest-bearing deposits | 59,956,000 | 49,240,000 | 60,138,000 | 60,371,000 |
| Noninterest-bearing deposits | 17,374,000 | 26,816,000 | 17,652,000 | 19,355,000 |
| Equity capital | 15,597,000 | 16,108,000 | 16,584,000 | 16,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 951,000 | 1,937,000 | 2,967,000 | 4,001,000 |
| Interest expense | 190,000 | 389,000 | 590,000 | 793,000 |
| Net interest income | 761,000 | 1,548,000 | 2,377,000 | 3,208,000 |
| Noninterest income | 21,000 | 35,000 | 53,000 | 72,000 |
| Noninterest expense | 372,000 | 768,000 | 1,114,000 | 1,707,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 410,000 | 763,000 | 1,264,000 | 1,471,000 |
| Income tax | 0 | 10,000 | 82,000 | 292,000 |
| Net income | 410,000 | 753,000 | 1,182,000 | 1,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,416,000 | 15,759,000 | 16,188,000 | 15,684,000 |
| Total capital | 16,194,000 | 16,565,000 | 16,919,000 | 16,411,000 |
| Risk-weighted assets | 64,810,000 | 66,093,000 | 71,400,000 | 66,491,000 |