Call reports 2013
FIRST BANK OF BERNE — 2013
What FIRST BANK OF BERNE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 501,231,000 | 513,642,000 | 517,403,000 | 547,340,000 |
| Total loans | 384,794,000 | 391,036,000 | 395,672,000 | 415,630,000 |
| Allowance for loan losses | 5,525,000 | 5,565,000 | 5,002,000 | 5,281,000 |
| Securities available for sale | 62,986,000 | 67,483,000 | 74,533,000 | 74,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 381,858,000 | 391,561,000 | 382,768,000 | 401,848,000 |
| Interest-bearing deposits | 331,358,000 | 341,986,000 | 330,749,000 | 344,900,000 |
| Noninterest-bearing deposits | 50,500,000 | 49,575,000 | 52,019,000 | 56,948,000 |
| Equity capital | 50,631,000 | 50,524,000 | 51,928,000 | 51,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,599,000 | 11,033,000 | 16,554,000 | 22,192,000 |
| Interest expense | 525,000 | 1,029,000 | 1,509,000 | 1,930,000 |
| Net interest income | 5,074,000 | 10,004,000 | 15,045,000 | 20,262,000 |
| Noninterest income | 1,376,000 | 2,648,000 | 4,020,000 | 5,005,000 |
| Noninterest expense | 2,853,000 | 5,764,000 | 8,764,000 | 13,193,000 |
| Provision for loan losses | 150,000 | 300,000 | 300,000 | 400,000 |
| Pretax income | 3,447,000 | 6,588,000 | 10,001,000 | 11,674,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,447,000 | 6,588,000 | 10,001,000 | 11,674,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,520,000 | 49,583,000 | 50,971,000 | 50,384,000 |
| Total capital | 53,277,000 | 54,329,000 | 55,973,000 | 55,327,000 |
| Risk-weighted assets | 379,850,000 | 389,048,000 | 399,902,000 | 402,614,000 |