Call reports 2015
FIRST BANK OF BERNE — 2015
What FIRST BANK OF BERNE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 550,506,000 | 563,573,000 | 563,144,000 | 594,933,000 |
| Total loans | 440,021,000 | 449,092,000 | 453,003,000 | 460,880,000 |
| Allowance for loan losses | 5,713,000 | 5,511,000 | 5,796,000 | 5,925,000 |
| Securities available for sale | 75,343,000 | 76,396,000 | 76,911,000 | 76,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 402,303,000 | 414,342,000 | 414,702,000 | 452,607,000 |
| Interest-bearing deposits | 341,650,000 | 354,981,000 | 353,224,000 | 387,123,000 |
| Noninterest-bearing deposits | 60,653,000 | 59,361,000 | 61,478,000 | 65,484,000 |
| Equity capital | 55,686,000 | 55,792,000 | 57,077,000 | 57,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,684,000 | 11,466,000 | 17,405,000 | 23,388,000 |
| Interest expense | 294,000 | 585,000 | 875,000 | 1,198,000 |
| Net interest income | 5,390,000 | 10,881,000 | 16,530,000 | 22,190,000 |
| Noninterest income | 986,000 | 2,246,000 | 3,276,000 | 4,620,000 |
| Noninterest expense | 3,354,000 | 7,138,000 | 10,876,000 | 15,044,000 |
| Provision for loan losses | 150,000 | 300,000 | 550,000 | 850,000 |
| Pretax income | 2,935,000 | 5,770,000 | 8,465,000 | 11,075,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,935,000 | 5,770,000 | 8,465,000 | 11,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,760,000 | 55,328,000 | 56,252,000 | 57,591,000 |
| Total capital | 60,055,000 | 60,725,000 | 61,715,000 | 63,084,000 |
| Risk-weighted assets | 423,209,000 | 431,677,000 | 436,725,000 | 439,040,000 |