Call reports 2011
BANK OF BERTRAND — 2011
What BANK OF BERTRAND reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 39,914,000 | 39,940,000 | 38,164,000 | 39,987,000 |
| Total loans | 22,273,000 | 23,525,000 | 23,071,000 | 21,741,000 |
| Allowance for loan losses | 220,000 | 228,000 | 228,000 | 219,000 |
| Securities available for sale | 1,507,000 | 1,510,000 | 1,509,000 | 1,506,000 |
| Securities held to maturity | 4,867,000 | 6,404,000 | 6,309,000 | 6,806,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,670,000 | 29,660,000 | 30,313,000 | 30,911,000 |
| Interest-bearing deposits | 24,300,000 | 24,708,000 | 24,552,000 | 23,616,000 |
| Noninterest-bearing deposits | 5,370,000 | 4,952,000 | 5,761,000 | 7,295,000 |
| Equity capital | 5,636,000 | 5,705,000 | 5,788,000 | 5,772,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 344,000 | 726,000 | 1,121,000 | 1,494,000 |
| Interest expense | 97,000 | 201,000 | 285,000 | 364,000 |
| Net interest income | 247,000 | 525,000 | 836,000 | 1,130,000 |
| Noninterest income | 24,000 | 49,000 | 76,000 | 100,000 |
| Noninterest expense | 308,000 | 534,000 | 753,000 | 980,000 |
| Provision for loan losses | 0 | 8,000 | 8,000 | 8,000 |
| Pretax income | -37,000 | 32,000 | 151,000 | 242,000 |
| Income tax | 5,000 | 7,000 | 25,000 | 44,000 |
| Net income | -42,000 | 25,000 | 126,000 | 198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,632,000 | 5,699,000 | 5,783,000 | 5,768,000 |
| Total capital | 5,852,000 | 5,927,000 | 6,011,000 | 5,987,000 |
| Risk-weighted assets | 27,010,000 | 27,146,000 | 26,561,000 | 26,200,000 |