Call reports 2014
FIRST BANK OF BERNE — 2014
What FIRST BANK OF BERNE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 537,985,000 | 537,665,000 | 540,746,000 | 549,138,000 |
| Total loans | 408,093,000 | 413,188,000 | 423,625,000 | 435,939,000 |
| Allowance for loan losses | 5,350,000 | 5,342,000 | 5,566,000 | 5,623,000 |
| Securities available for sale | 77,965,000 | 83,072,000 | 78,287,000 | 74,449,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 405,568,000 | 405,028,000 | 389,785,000 | 402,420,000 |
| Interest-bearing deposits | 348,474,000 | 352,531,000 | 336,333,000 | 348,968,000 |
| Noninterest-bearing deposits | 57,094,000 | 52,497,000 | 53,452,000 | 53,452,000 |
| Equity capital | 51,293,000 | 52,647,000 | 52,987,000 | 54,616,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,587,000 | 11,156,000 | 16,807,000 | 22,518,000 |
| Interest expense | 290,000 | 633,000 | 979,000 | 1,294,000 |
| Net interest income | 5,297,000 | 10,523,000 | 15,828,000 | 21,224,000 |
| Noninterest income | 1,007,000 | 2,072,000 | 3,262,000 | 4,356,000 |
| Noninterest expense | 3,080,000 | 6,102,000 | 9,202,000 | 12,591,000 |
| Provision for loan losses | 120,000 | 240,000 | 725,000 | 1,085,000 |
| Pretax income | 3,104,000 | 6,253,000 | 9,164,000 | 11,903,000 |
| Income tax | 6,000 | 6,000 | 6,000 | 21,000 |
| Net income | 3,098,000 | 6,247,000 | 9,158,000 | 11,882,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,449,000 | 51,436,000 | 52,032,000 | 53,654,000 |
| Total capital | 55,411,000 | 56,469,000 | 57,184,000 | 58,894,000 |
| Risk-weighted assets | 396,600,000 | 402,364,000 | 411,780,000 | 418,872,000 |