Call reports 2003
BANK OF BERTRAND — 2003
What BANK OF BERTRAND reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 25,878,000 | 25,649,000 | 26,159,000 | 26,960,000 |
| Total loans | 14,524,000 | 16,115,000 | 17,988,000 | 17,240,000 |
| Allowance for loan losses | 315,000 | 252,000 | 282,000 | 310,000 |
| Securities available for sale | 1,814,000 | 1,222,000 | 311,000 | 2,125,000 |
| Securities held to maturity | 5,624,000 | 5,690,000 | 5,782,000 | 5,674,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,152,000 | 20,830,000 | 20,964,000 | 22,203,000 |
| Interest-bearing deposits | 18,723,000 | 18,809,000 | 18,029,000 | 18,746,000 |
| Noninterest-bearing deposits | 2,429,000 | 2,021,000 | 2,935,000 | 3,457,000 |
| Equity capital | 4,642,000 | 4,703,000 | 4,751,000 | 4,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 345,000 | 712,000 | 1,093,000 | 1,464,000 |
| Interest expense | 121,000 | 234,000 | 338,000 | 438,000 |
| Net interest income | 224,000 | 478,000 | 755,000 | 1,026,000 |
| Noninterest income | 19,000 | 37,000 | 60,000 | 81,000 |
| Noninterest expense | 173,000 | 352,000 | 533,000 | 734,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 40,000 |
| Pretax income | 70,000 | 163,000 | 252,000 | 333,000 |
| Income tax | 8,000 | 43,000 | 62,000 | 84,000 |
| Net income | 62,000 | 120,000 | 190,000 | 249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,640,000 | 4,698,000 | 4,751,000 | 4,723,000 |
| Total capital | 4,904,000 | 4,935,000 | 5,014,000 | 4,977,000 |
| Risk-weighted assets | 21,096,000 | 18,918,000 | 20,990,000 | 20,281,000 |