Call reports 2010
BANK OF BERTRAND — 2010
What BANK OF BERTRAND reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 31,832,000 | 31,321,000 | 34,783,000 | 36,004,000 |
| Total loans | 18,719,000 | 20,029,000 | 23,089,000 | 22,947,000 |
| Allowance for loan losses | 215,000 | 217,000 | 194,000 | 219,000 |
| Securities available for sale | 1,510,000 | 1,008,000 | 1,010,000 | 1,007,000 |
| Securities held to maturity | 4,304,000 | 4,221,000 | 4,151,000 | 4,421,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,047,000 | 25,423,000 | 25,593,000 | 26,713,000 |
| Interest-bearing deposits | 21,610,000 | 21,164,000 | 21,337,000 | 21,298,000 |
| Noninterest-bearing deposits | 4,437,000 | 4,259,000 | 4,256,000 | 5,415,000 |
| Equity capital | 5,639,000 | 5,699,000 | 5,750,000 | 5,694,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 330,000 | 688,000 | 1,079,000 | 1,436,000 |
| Interest expense | 88,000 | 169,000 | 278,000 | 369,000 |
| Net interest income | 242,000 | 519,000 | 801,000 | 1,067,000 |
| Noninterest income | 24,000 | 53,000 | 79,000 | 104,000 |
| Noninterest expense | 214,000 | 441,000 | 657,000 | 887,000 |
| Provision for loan losses | 0 | 0 | 0 | 29,000 |
| Pretax income | 52,000 | 131,000 | 223,000 | 255,000 |
| Income tax | 9,000 | 29,000 | 55,000 | 54,000 |
| Net income | 43,000 | 102,000 | 168,000 | 201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,639,000 | 5,696,000 | 5,745,000 | 5,692,000 |
| Total capital | 5,854,000 | 5,913,000 | 5,939,000 | 5,911,000 |
| Risk-weighted assets | 26,029,000 | 23,616,000 | 26,953,000 | 26,974,000 |
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