Call reports 2022
STATE BANK OF BERN — 2022
What STATE BANK OF BERN reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 117,990,000 | 115,268,000 | 110,310,000 | 110,114,000 |
| Total loans | 50,886,000 | 50,583,000 | 52,918,000 | 56,601,000 |
| Allowance for loan losses | 788,000 | 910,000 | 927,000 | 929,000 |
| Securities available for sale | 54,271,000 | 56,410,000 | 50,522,000 | 50,341,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,896,000 | 100,121,000 | 96,068,000 | 92,579,000 |
| Interest-bearing deposits | 59,997,000 | 60,194,000 | 58,382,000 | 54,958,000 |
| Noninterest-bearing deposits | 41,899,000 | 39,927,000 | 37,686,000 | 37,621,000 |
| Equity capital | 15,996,000 | 15,037,000 | 14,128,000 | 15,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 910,000 | 1,863,000 | 2,930,000 | 3,986,000 |
| Interest expense | 114,000 | 231,000 | 370,000 | 530,000 |
| Net interest income | 796,000 | 1,632,000 | 2,560,000 | 3,456,000 |
| Noninterest income | 22,000 | 36,000 | -88,000 | 78,000 |
| Noninterest expense | 385,000 | 831,000 | 1,261,000 | 1,863,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 433,000 | 837,000 | 1,211,000 | 1,379,000 |
| Income tax | 95,000 | 158,000 | 215,000 | 255,000 |
| Net income | 338,000 | 679,000 | 996,000 | 1,124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,495,000 | 17,832,000 | 18,150,000 | 18,275,000 |