Call reports 2004
BANK OF BERTRAND — 2004
What BANK OF BERTRAND reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 27,819,000 | 27,785,000 | 26,699,000 | 28,769,000 |
| Total loans | 14,918,000 | 16,071,000 | 17,983,000 | 17,955,000 |
| Allowance for loan losses | 303,000 | 305,000 | 306,000 | 310,000 |
| Securities available for sale | 3,118,000 | 1,704,000 | 603,000 | 2,591,000 |
| Securities held to maturity | 5,684,000 | 6,370,000 | 6,089,000 | 6,143,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,942,000 | 22,841,000 | 21,648,000 | 23,881,000 |
| Interest-bearing deposits | 19,949,000 | 19,834,000 | 19,128,000 | 19,389,000 |
| Noninterest-bearing deposits | 2,993,000 | 3,007,000 | 2,520,000 | 4,492,000 |
| Equity capital | 4,772,000 | 4,822,000 | 4,886,000 | 4,853,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 349,000 | 688,000 | 1,053,000 | 1,446,000 |
| Interest expense | 99,000 | 191,000 | 283,000 | 373,000 |
| Net interest income | 250,000 | 497,000 | 770,000 | 1,073,000 |
| Noninterest income | 22,000 | 46,000 | 73,000 | 96,000 |
| Noninterest expense | 178,000 | 367,000 | 557,000 | 781,000 |
| Provision for loan losses | 0 | 0 | 0 | 16,000 |
| Pretax income | 94,000 | 176,000 | 286,000 | 372,000 |
| Income tax | 30,000 | 55,000 | 84,000 | 111,000 |
| Net income | 64,000 | 121,000 | 202,000 | 261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,769,000 | 4,826,000 | 4,890,000 | 4,860,000 |
| Total capital | 4,996,000 | 5,069,000 | 5,153,000 | 5,133,000 |
| Risk-weighted assets | 18,110,000 | 19,414,000 | 21,083,000 | 21,792,000 |