Call reports 2002
BANK OF BERTRAND — 2002
What BANK OF BERTRAND reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 24,180,000 | 24,448,000 | 24,379,000 | 24,854,000 |
| Total loans | 14,235,000 | 15,079,000 | 16,547,000 | 14,790,000 |
| Allowance for loan losses | 365,000 | 371,000 | 331,000 | 310,000 |
| Securities available for sale | 2,664,000 | 2,067,000 | 1,226,000 | 1,828,000 |
| Securities held to maturity | 4,409,000 | 5,129,000 | 4,511,000 | 5,252,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,555,000 | 19,713,000 | 19,536,000 | 20,201,000 |
| Interest-bearing deposits | 17,510,000 | 17,735,000 | 17,075,000 | 17,268,000 |
| Noninterest-bearing deposits | 2,045,000 | 1,978,000 | 2,461,000 | 2,933,000 |
| Equity capital | 4,511,000 | 4,581,000 | 4,642,000 | 4,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 377,000 | 778,000 | 1,177,000 | 1,568,000 |
| Interest expense | 151,000 | 293,000 | 432,000 | 564,000 |
| Net interest income | 226,000 | 485,000 | 745,000 | 1,004,000 |
| Noninterest income | 22,000 | 51,000 | 78,000 | 102,000 |
| Noninterest expense | 167,000 | 350,000 | 522,000 | 737,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 82,000 | 187,000 | 302,000 | 370,000 |
| Income tax | 23,000 | 56,000 | 93,000 | 118,000 |
| Net income | 59,000 | 131,000 | 209,000 | 252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,508,000 | 4,580,000 | 4,640,000 | 4,596,000 |
| Total capital | 4,730,000 | 4,818,000 | 4,895,000 | 4,843,000 |
| Risk-weighted assets | 17,731,000 | 18,951,000 | 20,350,000 | 19,700,000 |