FDIC Certificate #: 15267 Status: Active Federal Reserve ID: 347657 Date Established: May 01, 1906 WWW:http://www.bankofbertrand.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 9614 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: August 21, 1935 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 601 Minor Avenue, Bertrand, NE 68927 County: Phelps Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Grand Island Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $40.0 mil Equity capital: $5.8 mil Deposits held in domestic offices: $30.9 mil Return on assets (ROA): 0.51% ($0.2 mil) Quarterly return on assets: 0.74% ($0.3 mil) Return on Equity (ROE): 3.46% ($0.2 mil) Quarterly return on equity: 4.98% ($0.3 mil) Net income: $0.2 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.62% ($247.9 mil) Quarterly Pretax return on assets: 0.93% ($371.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
8Total employees (full-time equivalent)
$39,987Total assets
$9,070Cash and due from depository institutions
$5,079Interest-bearing balances
$8,312Securities
$0Federal funds sold & reverse repurchase agreements
$21,522Net loans & leases
$219Loan loss allowance
$0Trading account assets
$7Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$39,987Life insurance assets
$1,076All other assets
$34,215Total liabilities and capital
$30,911Total liabilities
$23,616Total deposits
$30,911Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,280Trading liabilities
$0Other borrowed funds
$24Subordinated debt
$5,772All other liabilities
$5,772Total equity capital
$5,772Total bank equity capital
$0Perpetual preferred stock
$350Common stock
$1,600Surplus
$3,822Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$38Income earned, not collected on loans
$0Earning assets
$337Long-term assets (5+ years)
$34,913Average Assets, year-to-date
$6,398Average Assets, quarterly
$38,802Volatile liabilities
$39,076Insider loans
$26,200FHLB advances
$39,155Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,768Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$10,104Restructured Loans and leases
$26Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,494Total interest income
$364Total interest expense
$1,130Net interest income
$8Provision for loan and lease losses
$100Total noninterest income
$0Fiduciary activities
$54Service charges on deposit accounts
$0Trading account gains & fees
$46Additional noninterest income
$980Total noninterest expense
$518Salaries and employee benefits
$28Premises and equipment expense
$434Additional noninterest expense
$242Pre-tax net operating income
$0Securities gains (losses)
$44Applicable income taxes
$198Income before extraordinary items
$0Extraordinary gains - net
$198Net income attributable to bank
$0Net charge-offs
$198Cash dividends
$8Sale, conversion, retirement of capital stock, net
$122Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.27%Yield on earning assets
1.04%Cost of funding earning assets
3.23%Net interest margin
0.29%Noninterest income to earning assets
2.80%Noninterest expense to earning assets
0.51%Net operating income to assets
0.51%Return on assets (ROA)
0.62%Pretax return on assets
3.46%Return on equity (ROE)
1.33%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
100.00%Credit loss provision to net charge-offs
31.25%Efficiency ratio
79,675Assets per employee
5.00%Cash dividends to net income (YTD only)
Condition Ratios (%)
61.62%Loss allowance to loans
1.01%Loss allowance to noncurrent loans
576.32%Noncurrent assets plus other real estate owned to assets
0.10%Noncurrent loans to loans
0.17%Net loans and leases to deposits
69.63%Net loans and leases to core deposits
70.67%Equity capital to assets
14.43%Core capital (leverage) ratio
14.73%Tier 1 risk-based capital ratio
22.02%Total risk-based capital ratio
Memoranda
$23Average assets
$38,802Average earning assets
$5,719Average equity
$35,008Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9614
Bank Of Bertrand
601 Minor Avenue, Bertrand, NE 68927
May 01, 1906
Full Service Brick and Mortar
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