Bank of Bertrand in Bertrand, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches


Bank of Bertrand - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    09614Bank Of Bertrand601 Minor Avenue, Bertrand, NE 68927May 01, 1906Full Service Brick and Mortar

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