Call reports 2024
STATE BANK OF BERN — 2024
What STATE BANK OF BERN reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 115,935,000 | 113,992,000 | 114,560,000 | 113,994,000 |
| Total loans | 57,308,000 | 57,437,000 | 59,302,000 | 63,871,000 |
| Allowance for loan losses | 946,000 | 945,000 | 946,000 | 947,000 |
| Securities available for sale | 45,472,000 | 45,134,000 | 45,038,000 | 42,554,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,972,000 | 96,041,000 | 95,068,000 | 95,646,000 |
| Interest-bearing deposits | 58,227,000 | 58,917,000 | 57,741,000 | 57,564,000 |
| Noninterest-bearing deposits | 39,745,000 | 37,124,000 | 37,327,000 | 38,082,000 |
| Equity capital | 17,299,000 | 17,365,000 | 18,723,000 | 17,929,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,350,000 | 2,759,000 | 4,231,000 | 5,700,000 |
| Interest expense | 409,000 | 850,000 | 1,312,000 | 1,788,000 |
| Net interest income | 941,000 | 1,909,000 | 2,919,000 | 3,912,000 |
| Noninterest income | 11,000 | 41,000 | 59,000 | 90,000 |
| Noninterest expense | 472,000 | 1,015,000 | 1,472,000 | 2,088,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 480,000 | 935,000 | 1,506,000 | 1,592,000 |
| Income tax | 80,000 | 154,000 | 260,000 | 240,000 |
| Net income | 400,000 | 781,000 | 1,246,000 | 1,352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,407,000 | 19,785,000 | 20,253,000 | 19,860,000 |