Call reports 2007
BANK OF BERTRAND — 2007
What BANK OF BERTRAND reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 28,537,000 | 29,460,000 | 30,381,000 | 30,391,000 |
| Total loans | 17,928,000 | 18,350,000 | 19,272,000 | 18,140,000 |
| Allowance for loan losses | 316,000 | 317,000 | 318,000 | 306,000 |
| Securities available for sale | 3,187,000 | 1,998,000 | 801,000 | 2,015,000 |
| Securities held to maturity | 5,675,000 | 7,374,000 | 7,402,000 | 6,947,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,115,000 | 23,950,000 | 24,768,000 | 24,926,000 |
| Interest-bearing deposits | 18,516,000 | 20,339,000 | 18,522,000 | 20,383,000 |
| Noninterest-bearing deposits | 4,599,000 | 3,611,000 | 6,246,000 | 4,543,000 |
| Equity capital | 5,290,000 | 5,365,000 | 5,425,000 | 5,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 451,000 | 936,000 | 1,413,000 | 1,888,000 |
| Interest expense | 158,000 | 334,000 | 525,000 | 712,000 |
| Net interest income | 293,000 | 602,000 | 888,000 | 1,176,000 |
| Noninterest income | 18,000 | 37,000 | 58,000 | 78,000 |
| Noninterest expense | 197,000 | 415,000 | 611,000 | 846,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 114,000 | 224,000 | 335,000 | 408,000 |
| Income tax | 32,000 | 69,000 | 103,000 | 120,000 |
| Net income | 82,000 | 155,000 | 232,000 | 288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,288,000 | 5,365,000 | 5,424,000 | 5,393,000 |
| Total capital | 5,550,000 | 5,636,000 | 5,715,000 | 5,672,000 |
| Risk-weighted assets | 20,920,000 | 21,597,000 | 23,213,000 | 22,331,000 |