First Bank of Berne in city_name, state_name - Detailed Financial Reports, Location

First Bank of Berne in Berne, Indiana (IN), OH
Show street view No street view available for this location

First Bank of Berne routing number info

First Bank of Berne - Overview

General
FDIC Certificate #: 9288
Status: Active
Federal Reserve ID: 312244
Bank Holding Company (Regulatory Top Holder): First Berne Financial Corporation (RSSDID: 1133008, Location: Berne, IN)
Date Established: October 21, 1891
WWW: http://www.firstbankofberne.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 11 (Domestic: 8, Interstate: Yes)
OTS Docket #: 13103
FDIC's unique #: 5943
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: Febuary 18, 2012
Last Structure Change Process Date: March 07, 2012
Last Data Update: March 07, 2012
Data Source Date: April 05, 2012
Location
Address: 102 West Main Street, Berne, IN 46711
County: Adams
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Indianapolis
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Fort Wayne, IN (#2760)
Combined Statistical Area (CSA): Fort Wayne-Huntington-Auburn, IN (#258)
Core Based Statistical Area (CBSA): Decatur, IN (#19540)
CBSA Micro Statistical Area: Yes
History of Changes
Participated in Absorption/Consolidation/Merger
Financial Summary
Total assets: $434.5 mil
Equity capital: $45.2 mil
Deposits held in domestic offices: $319.2 mil
Return on assets (ROA): 2.44% ($10.6 mil)
Quarterly return on assets: 2.33% ($10.1 mil)
Return on Equity (ROE): 24.11% ($10.8 mil)
Quarterly return on equity: 22.21% ($10.0 mil)
Net income: $10.4 mil
Quarterly Net income: $2.5 mil
Pretax return on assets: 2.44% ($10,601.2 mil)
Quarterly Pretax return on assets: 2.33% ($10,123.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
105Total employees (full-time equivalent)
$434,477Total assets
$9,293Cash and due from depository institutions
$1,091Interest-bearing balances
$70,775Securities
$0Federal funds sold & reverse repurchase agreements
$325,474Net loans & leases
$4,776Loan loss allowance
$0Trading account assets
$8,256Bank premises and fixed assets
$118Other real estate owned
$409Goodwill and other intangibles
$434,477Life insurance assets
$20,152All other assets
$389,299Total liabilities and capital
$319,202Total liabilities
$271,825Total deposits
$319,202Interest-bearing deposits
$82Deposits held in domestic offices
26385.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$40,916Trading liabilities
$0Other borrowed funds
$2,796Subordinated debt
$45,178All other liabilities
$45,178Total equity capital
$45,178Total bank equity capital
$0Perpetual preferred stock
$1,600Common stock
$13,134Surplus
$30,444Undivided profits
Memoranda
$0Noncurrent loans and leases
$1,239Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,373Income earned, not collected on loans
$0Earning assets
$2,126Long-term assets (5+ years)
$397,340Average Assets, year-to-date
$177,742Average Assets, quarterly
$425,935Volatile liabilities
$427,338Insider loans
$322,205FHLB advances
$430,499Loans and leases held for sale
$12,855Unused loan commitments
$12,855Tier 1 (core) risk-based capital
$43,380Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$71,894Restructured Loans and leases
$2,078Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$20,352Total interest income
$4,366Total interest expense
$15,986Net interest income
$350Provision for loan and lease losses
$4,630Total noninterest income
$199Fiduciary activities
$1,738Service charges on deposit accounts
$0Trading account gains & fees
$2,693Additional noninterest income
$9,900Total noninterest expense
$5,526Salaries and employee benefits
$1,021Premises and equipment expense
$3,353Additional noninterest expense
$10,366Pre-tax net operating income
$24Securities gains (losses)
$0Applicable income taxes
$10,390Income before extraordinary items
$0Extraordinary gains - net
$10,390Net income attributable to bank
$0Net charge-offs
$10,390Cash dividends
$334Sale, conversion, retirement of capital stock, net
$7,969Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.21%Yield on earning assets
1.12%Cost of funding earning assets
4.10%Net interest margin
1.19%Noninterest income to earning assets
2.54%Noninterest expense to earning assets
2.43%Net operating income to assets
2.44%Return on assets (ROA)
2.44%Pretax return on assets
24.11%Return on equity (ROE)
5.62%Retained earnings to average equity (YTD only)
0.11%Net charge-offs to loans
104.79%Credit loss provision to net charge-offs
32.08%Efficiency ratio
48,021Assets per employee
4.14%Cash dividends to net income (YTD only)
Condition Ratios (%)
76.70%Loss allowance to loans
1.45%Loss allowance to noncurrent loans
347.85%Noncurrent assets plus other real estate owned to assets
0.34%Noncurrent loans to loans
0.42%Net loans and leases to deposits
101.96%Net loans and leases to core deposits
107.24%Equity capital to assets
10.40%Core capital (leverage) ratio
10.08%Tier 1 risk-based capital ratio
13.46%Total risk-based capital ratio
Memoranda
$15Average assets
$425,935Average earning assets
$43,100Average equity
$390,343Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$34,529Managed Assets
1Number of Accounts
$34,303Personal trust and agency accounts
$34,263Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$40Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
127Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$226Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$226Fiduciary accounts held in foreign offices

List of branches

10 Indiana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	5943	First Bank Of Berne	102 West Main Street, Berne, IN 46711	October 21, 1891	Full Service Brick and Mortar
1	219835	Berne Branch	1105 Us Highway 27 N, Berne, IN 46711	December 10, 1973	Full Service Brick and Mortar
2	219836	Decatur Branch	1111 South 13th Street, Decatur, IN 46733	November 15, 1995	Full Service Brick and Mortar
3	219837	Bluffton Branch	404 North Main Street, Bluffton, IN 46714	November 02, 1998	Full Service Brick and Mortar
4	294911	Portland Branch	185 Industrial Drive, Portland, IN 47371	March 13, 2000	Full Service Brick and Mortar
5	362389	Swiss Village Branch	1350 West Main Street, Berne, IN 46711	August 21, 2001	Limited Service Mobile
6	365401	Decatur East Branch	304 East Monroe Street, Decatur, IN 46733	June 03, 2002	Full Service Brick and Mortar
8	42502	Peru Americantrust Branch	915 W Main St, Peru, IN 46970	January 01, 1886	Full Service Brick and Mortar
9	276716	South Dixon Road Branch	1936 South Dixon Road, Kokomo, IN 46904	January 01, 1886	Full Service Brick and Mortar
10	495515	101 West Broadway Branch	101 West Broadway, Bunker Hill, IN 46914	June 30, 2006	Full Service Brick and Mortar

1 Ohio Branch as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
7	463133	Van Wert, Oh Branch	102 Christopher Crossing, Van Wert, OH 45891	April 18, 2007	Full Service Brick and Mortar

First Bank of Berne in Berne, Indiana (IN), OH
Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank of Berne - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Bank of Berne in Berne, Indiana (IN), OHOverview, Financial Summary, Detailed Financial Reports, Branches

First Bank of Berne - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Bank of Berne in Berne, Indiana (IN), OH
Overview, Financial Summary, Detailed Financial Reports, Branches