Call reports 2007
BEVERLY BANK — 2007
What BEVERLY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 251,187,000 | 258,272,000 | 262,453,000 | 262,098,000 |
| Total loans | 213,787,000 | 219,573,000 | 224,140,000 | 223,856,000 |
| Allowance for loan losses | 2,294,000 | 2,363,000 | 2,429,000 | 2,224,000 |
| Securities available for sale | 17,759,000 | 17,564,000 | 17,825,000 | 18,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,468,000 | 191,652,000 | 182,676,000 | 183,303,000 |
| Interest-bearing deposits | 151,355,000 | 163,666,000 | 155,919,000 | 154,512,000 |
| Noninterest-bearing deposits | 27,113,000 | 27,986,000 | 26,757,000 | 28,791,000 |
| Equity capital | 16,781,000 | 16,814,000 | 17,144,000 | 20,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,907,000 | 7,863,000 | 11,942,000 | 16,018,000 |
| Interest expense | 1,941,000 | 3,934,000 | 6,109,000 | 8,243,000 |
| Net interest income | 1,966,000 | 3,929,000 | 5,833,000 | 7,775,000 |
| Noninterest income | 619,000 | 829,000 | 1,096,000 | 1,348,000 |
| Noninterest expense | 1,732,000 | 3,481,000 | 5,207,000 | 6,964,000 |
| Provision for loan losses | 420,000 | 488,000 | 553,000 | 618,000 |
| Pretax income | 433,000 | 789,000 | 1,169,000 | 1,543,000 |
| Income tax | 163,000 | 299,000 | 445,000 | 586,000 |
| Net income | 270,000 | 490,000 | 724,000 | 957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,760,000 | 16,799,000 | 17,063,000 | 20,171,000 |
| Total capital | 18,942,000 | 19,028,000 | 19,371,000 | 22,395,000 |
| Risk-weighted assets | 174,444,000 | 178,198,000 | 184,522,000 | 183,274,000 |
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