Call reports 2009
BANK OF BERTRAND — 2009
What BANK OF BERTRAND reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 29,985,000 | 30,339,000 | 29,688,000 | 30,766,000 |
| Total loans | 16,723,000 | 18,310,000 | 19,663,000 | 19,043,000 |
| Allowance for loan losses | 247,000 | 252,000 | 255,000 | 219,000 |
| Securities available for sale | 1,517,000 | 1,003,000 | 1,020,000 | 1,015,000 |
| Securities held to maturity | 4,581,000 | 4,190,000 | 4,268,000 | 4,193,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,254,000 | 24,514,000 | 23,788,000 | 25,065,000 |
| Interest-bearing deposits | 19,599,000 | 20,667,000 | 20,276,000 | 19,997,000 |
| Noninterest-bearing deposits | 4,655,000 | 3,847,000 | 3,512,000 | 5,068,000 |
| Equity capital | 5,581,000 | 5,615,000 | 5,664,000 | 5,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 344,000 | 710,000 | 1,069,000 | 1,417,000 |
| Interest expense | 107,000 | 209,000 | 307,000 | 401,000 |
| Net interest income | 237,000 | 501,000 | 762,000 | 1,016,000 |
| Noninterest income | 23,000 | 46,000 | 74,000 | 101,000 |
| Noninterest expense | 209,000 | 447,000 | 653,000 | 886,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 51,000 | 100,000 | 183,000 | 231,000 |
| Income tax | 8,000 | 19,000 | 35,000 | 46,000 |
| Net income | 43,000 | 81,000 | 148,000 | 185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,575,000 | 5,614,000 | 5,663,000 | 5,613,000 |
| Total capital | 5,822,000 | 5,866,000 | 5,918,000 | 5,832,000 |
| Risk-weighted assets | 20,648,000 | 22,002,000 | 23,225,000 | 22,943,000 |