Call reports 2020
STATE BANK OF BERN — 2020
What STATE BANK OF BERN reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 96,218,000 | 98,637,000 | 100,899,000 | 107,607,000 |
| Total loans | 49,369,000 | 50,819,000 | 48,094,000 | 49,651,000 |
| Allowance for loan losses | 732,000 | 735,000 | 741,000 | 742,000 |
| Securities available for sale | 41,517,000 | 40,354,000 | 48,655,000 | 49,025,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,300,000 | 80,987,000 | 83,062,000 | 89,983,000 |
| Interest-bearing deposits | 60,708,000 | 61,206,000 | 62,568,000 | 51,943,000 |
| Noninterest-bearing deposits | 18,592,000 | 19,781,000 | 20,494,000 | 38,040,000 |
| Equity capital | 16,455,000 | 16,999,000 | 17,361,000 | 17,039,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,016,000 | 2,036,000 | 2,958,000 | 3,819,000 |
| Interest expense | 201,000 | 383,000 | 554,000 | 720,000 |
| Net interest income | 815,000 | 1,653,000 | 2,404,000 | 3,099,000 |
| Noninterest income | 20,000 | 34,000 | 49,000 | 66,000 |
| Noninterest expense | 358,000 | 772,000 | 1,161,000 | 1,771,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 477,000 | 915,000 | 1,292,000 | 1,394,000 |
| Income tax | 100,000 | 187,000 | 249,000 | 340,000 |
| Net income | 377,000 | 728,000 | 1,043,000 | 1,054,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,058,000 | 16,413,000 | 16,732,000 | 16,239,000 |
| Total capital | 16,790,000 | — | — | — |
| Risk-weighted assets | 66,606,000 | — | — | — |