Call reports 2023
STATE BANK OF BERN — 2023
What STATE BANK OF BERN reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 111,730,000 | 109,143,000 | 107,581,000 | 110,643,000 |
| Total loans | 50,891,000 | 52,444,000 | 54,675,000 | 59,947,000 |
| Allowance for loan losses | 931,000 | 938,000 | 943,000 | 945,000 |
| Securities available for sale | 54,844,000 | 49,853,000 | 48,487,000 | 44,906,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,143,000 | 92,341,000 | 91,785,000 | 93,047,000 |
| Interest-bearing deposits | 58,562,000 | 56,964,000 | 55,686,000 | 55,743,000 |
| Noninterest-bearing deposits | 36,581,000 | 35,377,000 | 36,099,000 | 37,304,000 |
| Equity capital | 16,291,000 | 16,356,000 | 15,224,000 | 17,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,096,000 | 2,276,000 | 3,449,000 | 4,812,000 |
| Interest expense | 234,000 | 530,000 | 857,000 | 1,206,000 |
| Net interest income | 862,000 | 1,746,000 | 2,592,000 | 3,606,000 |
| Noninterest income | 25,000 | 50,000 | 68,000 | 88,000 |
| Noninterest expense | 420,000 | 895,000 | 1,328,000 | 1,886,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 467,000 | 901,000 | 1,332,000 | 1,466,000 |
| Income tax | 79,000 | 148,000 | 196,000 | 234,000 |
| Net income | 388,000 | 753,000 | 1,136,000 | 1,232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,662,000 | 19,026,000 | 19,410,000 | 19,001,000 |