Call reports 2025
STATE BANK OF BERN — 2025
What STATE BANK OF BERN reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 116,317,000 | 118,630,000 | 119,042,000 | 122,703,000 |
| Total loans | 61,606,000 | 64,050,000 | 65,568,000 | 71,785,000 |
| Allowance for loan losses | 953,000 | 953,000 | 954,000 | 961,000 |
| Securities available for sale | 47,820,000 | 48,400,000 | 45,071,000 | 42,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,359,000 | 99,033,000 | 98,319,000 | 101,512,000 |
| Interest-bearing deposits | 59,419,000 | 61,411,000 | 61,475,000 | 63,458,000 |
| Noninterest-bearing deposits | 37,940,000 | 37,622,000 | 36,844,000 | 38,054,000 |
| Equity capital | 18,417,000 | 19,117,000 | 20,141,000 | 20,746,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,445,000 | 2,946,000 | 4,508,000 | 6,015,000 |
| Interest expense | 473,000 | 962,000 | 1,467,000 | 1,986,000 |
| Net interest income | 972,000 | 1,984,000 | 3,041,000 | 4,029,000 |
| Noninterest income | 23,000 | 40,000 | 58,000 | 80,000 |
| Noninterest expense | 463,000 | 978,000 | 1,436,000 | 1,983,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 532,000 | 1,046,000 | 1,663,000 | 2,063,000 |
| Income tax | 62,000 | 120,000 | 222,000 | 268,000 |
| Net income | 470,000 | 926,000 | 1,441,000 | 1,795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,330,000 | 20,787,000 | 21,302,000 | 21,656,000 |