Call reports 2012
BANK OF BERTRAND — 2012
What BANK OF BERTRAND reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 42,933,000 | 43,546,000 | 40,176,000 | 47,222,000 |
| Total loans | 19,961,000 | 22,303,000 | 21,616,000 | 21,806,000 |
| Allowance for loan losses | 226,000 | 204,000 | 201,000 | 210,000 |
| Securities available for sale | 1,503,000 | 998,000 | 1,001,000 | 1,493,000 |
| Securities held to maturity | 8,334,000 | 8,939,000 | 6,698,000 | 6,061,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,344,000 | 33,111,000 | 32,221,000 | 39,296,000 |
| Interest-bearing deposits | 26,159,000 | 25,424,000 | 25,397,000 | 26,696,000 |
| Noninterest-bearing deposits | 7,185,000 | 7,687,000 | 6,824,000 | 12,600,000 |
| Equity capital | 5,800,000 | 5,854,000 | 5,908,000 | 5,971,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 345,000 | 707,000 | 1,061,000 | 1,398,000 |
| Interest expense | 83,000 | 174,000 | 234,000 | 295,000 |
| Net interest income | 262,000 | 533,000 | 827,000 | 1,103,000 |
| Noninterest income | 25,000 | 51,000 | 82,000 | 112,000 |
| Noninterest expense | 226,000 | 449,000 | 674,000 | 896,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 61,000 | 135,000 | 235,000 | 319,000 |
| Income tax | 13,000 | 31,000 | 61,000 | 78,000 |
| Net income | 48,000 | 104,000 | 174,000 | 241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,798,000 | 5,853,000 | 5,906,000 | 5,974,000 |
| Total capital | 6,024,000 | 6,057,000 | 6,107,000 | 6,184,000 |
| Risk-weighted assets | 24,913,000 | 27,065,000 | 25,787,000 | 27,180,000 |