Call reports 2008
BEVERLY BANK — 2008
What BEVERLY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 266,485,000 | 274,494,000 | 286,897,000 | 292,975,000 |
| Total loans | 223,203,000 | 231,210,000 | 239,085,000 | 232,243,000 |
| Allowance for loan losses | 2,286,000 | 2,350,000 | 2,440,000 | 2,408,000 |
| Securities available for sale | 20,512,000 | 20,240,000 | 18,020,000 | 17,723,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,785,000 | 191,635,000 | 204,346,000 | 210,694,000 |
| Interest-bearing deposits | 157,405,000 | 160,425,000 | 172,307,000 | 177,917,000 |
| Noninterest-bearing deposits | 30,380,000 | 31,210,000 | 32,039,000 | 32,777,000 |
| Equity capital | 20,548,000 | 20,670,000 | 18,320,000 | 19,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,004,000 | 8,001,000 | 12,095,000 | 15,981,000 |
| Interest expense | 1,966,000 | 3,721,000 | 5,470,000 | 7,162,000 |
| Net interest income | 2,038,000 | 4,280,000 | 6,625,000 | 8,819,000 |
| Noninterest income | 277,000 | 492,000 | 730,000 | 966,000 |
| Noninterest expense | 1,833,000 | 3,640,000 | 5,455,000 | 7,494,000 |
| Provision for loan losses | 61,000 | 142,000 | 236,000 | 316,000 |
| Pretax income | 431,000 | 1,000,000 | -913,000 | -602,000 |
| Income tax | 165,000 | 376,000 | 656,000 | -278,000 |
| Net income | 266,000 | 624,000 | -1,569,000 | -324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,395,000 | 20,568,000 | 19,252,000 | 18,910,000 |
| Total capital | 22,682,000 | 22,918,000 | 21,586,000 | 24,158,000 |
| Risk-weighted assets | 187,165,000 | 194,927,000 | 186,583,000 | 179,716,000 |
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