Call reports 2025
FIRST BANK OF BERNE — 2025
What FIRST BANK OF BERNE 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 | 1,065,456,000 | 1,122,586,000 | 1,081,330,000 | 1,092,796,000 |
| Total loans | 777,085,000 | 777,850,000 | 784,912,000 | 787,913,000 |
| Allowance for loan losses | 11,078,000 | 10,758,000 | 11,029,000 | 10,541,000 |
| Securities available for sale | 243,575,000 | 238,670,000 | 239,352,000 | 242,767,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 953,643,000 | 1,008,625,000 | 961,014,000 | 969,584,000 |
| Interest-bearing deposits | 802,734,000 | 856,729,000 | 805,393,000 | 819,878,000 |
| Noninterest-bearing deposits | 150,909,000 | 151,896,000 | 155,621,000 | 149,706,000 |
| Equity capital | 58,606,000 | 60,973,000 | 66,858,000 | 70,819,000 |
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 | 13,431,000 | 27,376,000 | 41,634,000 | 56,042,000 |
| Interest expense | 5,031,000 | 10,405,000 | 15,745,000 | 20,656,000 |
| Net interest income | 8,400,000 | 16,971,000 | 25,889,000 | 35,386,000 |
| Noninterest income | 1,473,000 | 2,985,000 | 4,535,000 | 6,421,000 |
| Noninterest expense | 5,517,000 | 10,709,000 | 15,862,000 | 21,508,000 |
| Provision for loan losses | 75,000 | -210,000 | 70,000 | 230,000 |
| Pretax income | 4,281,000 | 9,487,000 | 14,522,000 | 20,129,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 4,281,000 | 9,487,000 | 14,522,000 | 20,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,577,000 | 102,583,000 | 103,318,000 | 104,825,000 |
| Total capital | 111,576,000 | 113,571,000 | 114,290,000 | 115,566,000 |
| Risk-weighted assets | 879,637,000 | 883,505,000 | 877,482,000 | 878,926,000 |