Call reports 2001
BANK OF BERTRAND — 2001
What BANK OF BERTRAND reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 23,512,000 | 23,092,000 | 23,161,000 | 23,881,000 |
| Total loans | 13,986,000 | 15,441,000 | 16,338,000 | 15,028,000 |
| Allowance for loan losses | 363,000 | 375,000 | 334,000 | 284,000 |
| Securities available for sale | 1,756,000 | 1,012,000 | 511,000 | 2,634,000 |
| Securities held to maturity | 5,403,000 | 4,790,000 | 4,045,000 | 4,195,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,011,000 | 18,482,000 | 18,476,000 | 19,342,000 |
| Interest-bearing deposits | 16,796,000 | 16,168,000 | 16,667,000 | 16,708,000 |
| Noninterest-bearing deposits | 2,215,000 | 2,314,000 | 1,809,000 | 2,634,000 |
| Equity capital | 4,370,000 | 4,459,000 | 4,516,000 | 4,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 445,000 | 902,000 | 1,351,000 | 1,777,000 |
| Interest expense | 203,000 | 397,000 | 585,000 | 761,000 |
| Net interest income | 242,000 | 505,000 | 766,000 | 1,016,000 |
| Noninterest income | 22,000 | 45,000 | 65,000 | 90,000 |
| Noninterest expense | 176,000 | 351,000 | 528,000 | 723,000 |
| Provision for loan losses | 80,000 | 90,000 | 90,000 | 104,000 |
| Pretax income | 8,000 | 109,000 | 213,000 | 280,000 |
| Income tax | 14,000 | 24,000 | 53,000 | 75,000 |
| Net income | -6,000 | 85,000 | 160,000 | 205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,360,000 | 4,451,000 | 4,508,000 | 4,466,000 |
| Total capital | 4,559,000 | 4,693,000 | 4,756,000 | 4,703,000 |
| Risk-weighted assets | 15,744,000 | 19,216,000 | 19,777,000 | 18,898,000 |