We understand that it’s people that make the difference. It’s more than just words. It’s what we believe. It’s how we live our lives and conduct business every day. We value the relationships we have with our customers and the trust they place in us every day. First Bank of Berne strives to create superior value for our customers by offering existing as well as new products and services with professional and responsive personal service. As a community bank, we seek to treat our customers with honesty and respect, and attempt to balance bank profitability with customer rates, fees, and services. First Bank of Berne employees are paramount in setting us apart from our competitors. Therefore, we endeavor to maintain an environment where our employees can learn, grow, and be fulfilled in their work. We appreciate our employees, and strive to provide competitive employee compensation. We promote from within whenever possible, and will not discriminate on the basis of race, sex, age, color, religion, national origin, disability, or citizenship status. Our highest priority (both corporately and individually) is honesty, integrity and ethical behavior. A bank can only be as strong as the communities in which it does business. First Bank of Berne believes in community work and volunteerism. We believe in giving back financially to the communities that have contributed to our success. We serve all people in our markets and do not discriminate in credit extension. First Bank of Berne is in business not only to serve our customers, but also to provide consistent and attractive returns for our investors. The bank’s future success depends not only on maintaining long-held values and prudent business judgments, but also on adapting to a fast-changing banking environment. To foster shareholder value and long-term independence, First Bank of Berne seeks to achieve profitability levels comparable to banks within its peer group without compromising capital adequacy, credit quality, or sound risk management.