Call reports 2008
BANK OF BERTRAND — 2008
What BANK OF BERTRAND reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 31,407,000 | 29,539,000 | 30,145,000 | 29,247,000 |
| Total loans | 16,229,000 | 17,700,000 | 18,322,000 | 17,137,000 |
| Allowance for loan losses | 310,000 | 313,000 | 314,000 | 215,000 |
| Securities available for sale | 2,019,000 | 1,014,000 | 1,524,000 | 1,532,000 |
| Securities held to maturity | 6,475,000 | 6,319,000 | 6,103,000 | 5,681,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,811,000 | 23,905,000 | 24,423,000 | 23,585,000 |
| Interest-bearing deposits | 22,008,000 | 20,433,000 | 20,542,000 | 4,242,000 |
| Noninterest-bearing deposits | 3,803,000 | 3,472,000 | 3,881,000 | 19,343,000 |
| Equity capital | 5,449,000 | 5,495,000 | 5,544,000 | 5,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 450,000 | 850,000 | 1,256,000 | 1,637,000 |
| Interest expense | 167,000 | 313,000 | 446,000 | 565,000 |
| Net interest income | 283,000 | 537,000 | 810,000 | 1,072,000 |
| Noninterest income | 22,000 | 44,000 | 69,000 | 91,000 |
| Noninterest expense | 205,000 | 416,000 | 622,000 | 884,000 |
| Provision for loan losses | 0 | 0 | 0 | -70,000 |
| Pretax income | 100,000 | 165,000 | 257,000 | 349,000 |
| Income tax | 37,000 | 47,000 | 73,000 | 70,000 |
| Net income | 63,000 | 118,000 | 184,000 | 279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,439,000 | 5,494,000 | 5,542,000 | 5,550,000 |
| Total capital | 5,697,000 | 5,763,000 | 5,820,000 | 5,765,000 |
| Risk-weighted assets | 20,601,000 | 21,512,000 | 22,215,000 | 21,369,000 |