Call reports 2005
BEVERLY BANK — 2005
What BEVERLY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 182,142,000 | 199,610,000 | 212,705,000 | 224,885,000 |
| Total loans | 154,382,000 | 166,137,000 | 181,450,000 | 193,656,000 |
| Allowance for loan losses | 1,035,000 | 1,420,000 | 1,472,000 | 1,508,000 |
| Securities available for sale | 597,000 | 580,000 | 573,000 | 507,000 |
| Securities held to maturity | 11,265,000 | 12,258,000 | 12,259,000 | 12,285,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,486,000 | 152,261,000 | 160,090,000 | 161,419,000 |
| Interest-bearing deposits | 117,738,000 | 126,347,000 | 131,894,000 | 132,700,000 |
| Noninterest-bearing deposits | 25,748,000 | 25,914,000 | 28,196,000 | 28,719,000 |
| Equity capital | 14,757,000 | 15,236,000 | 15,481,000 | 15,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,565,000 | 5,087,000 | 8,069,000 | 11,094,000 |
| Interest expense | 426,000 | 1,446,000 | 2,374,000 | 3,540,000 |
| Net interest income | 1,139,000 | 3,641,000 | 5,695,000 | 7,554,000 |
| Noninterest income | 81,000 | 293,000 | 511,000 | 835,000 |
| Noninterest expense | 1,029,000 | 3,119,000 | 4,665,000 | 6,305,000 |
| Provision for loan losses | 40,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 151,000 | 695,000 | 1,363,000 | 1,846,000 |
| Income tax | 65,000 | 267,000 | 492,000 | 673,000 |
| Net income | 86,000 | 428,000 | 871,000 | 1,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,774,000 | 15,232,000 | 15,488,000 | 15,711,000 |
| Total capital | 16,221,000 | 16,945,000 | 17,399,000 | 17,691,000 |
| Risk-weighted assets | 125,498,000 | 136,813,000 | 152,819,000 | 166,927,000 |
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