Call reports 2006
BANK OF BERTRAND — 2006
What BANK OF BERTRAND reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 28,263,000 | 27,129,000 | 27,383,000 | 28,291,000 |
| Total loans | 18,111,000 | 19,185,000 | 19,980,000 | 18,666,000 |
| Allowance for loan losses | 326,000 | 324,000 | 325,000 | 310,000 |
| Securities available for sale | 2,484,000 | 1,091,000 | 497,000 | 2,185,000 |
| Securities held to maturity | 5,603,000 | 5,648,000 | 5,699,000 | 5,674,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,062,000 | 21,801,000 | 21,131,000 | 22,617,000 |
| Interest-bearing deposits | 18,939,000 | 18,298,000 | 17,424,000 | 18,163,000 |
| Noninterest-bearing deposits | 4,123,000 | 3,503,000 | 3,707,000 | 4,454,000 |
| Equity capital | 5,079,000 | 5,176,000 | 5,252,000 | 5,225,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 425,000 | 869,000 | 1,329,000 | 1,787,000 |
| Interest expense | 128,000 | 266,000 | 415,000 | 570,000 |
| Net interest income | 297,000 | 603,000 | 914,000 | 1,217,000 |
| Noninterest income | 20,000 | 42,000 | 63,000 | 78,000 |
| Noninterest expense | 191,000 | 383,000 | 585,000 | 798,000 |
| Provision for loan losses | 0 | 0 | 0 | 24,000 |
| Pretax income | 126,000 | 262,000 | 392,000 | 473,000 |
| Income tax | 41,000 | 83,000 | 123,000 | 143,000 |
| Net income | 85,000 | 179,000 | 269,000 | 330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,088,000 | 5,181,000 | 5,254,000 | 5,228,000 |
| Total capital | 5,351,000 | 5,458,000 | 5,546,000 | 5,507,000 |
| Risk-weighted assets | 20,974,000 | 22,103,000 | 23,314,000 | 22,323,000 |