Call reports 2005
BANK OF BERTRAND — 2005
What BANK OF BERTRAND reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 27,641,000 | 28,034,000 | 27,504,000 | 28,077,000 |
| Total loans | 16,105,000 | 17,018,000 | 18,906,000 | 17,715,000 |
| Allowance for loan losses | 311,000 | 313,000 | 311,000 | 310,000 |
| Securities available for sale | 2,485,000 | 1,694,000 | 1,685,000 | 2,481,000 |
| Securities held to maturity | 5,967,000 | 5,348,000 | 5,423,000 | 5,513,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,604,000 | 22,900,000 | 21,241,000 | 22,781,000 |
| Interest-bearing deposits | 19,090,000 | 19,102,000 | 18,067,000 | 18,916,000 |
| Noninterest-bearing deposits | 3,514,000 | 3,798,000 | 3,174,000 | 3,865,000 |
| Equity capital | 4,924,000 | 4,995,000 | 5,066,000 | 5,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 382,000 | 760,000 | 1,167,000 | 1,573,000 |
| Interest expense | 93,000 | 205,000 | 320,000 | 442,000 |
| Net interest income | 289,000 | 555,000 | 847,000 | 1,131,000 |
| Noninterest income | 26,000 | 51,000 | 84,000 | 108,000 |
| Noninterest expense | 178,000 | 374,000 | 566,000 | 807,000 |
| Provision for loan losses | 0 | 0 | 0 | 29,000 |
| Pretax income | 137,000 | 232,000 | 365,000 | 403,000 |
| Income tax | 43,000 | 72,000 | 115,000 | 119,000 |
| Net income | 94,000 | 160,000 | 250,000 | 284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,936,000 | 5,002,000 | 5,074,000 | 5,021,000 |
| Total capital | 5,176,000 | 5,254,000 | 5,351,000 | 5,285,000 |
| Risk-weighted assets | 19,157,000 | 20,095,000 | 22,123,000 | 21,075,000 |