Call reports 2011
BEVERLY BANK — 2011
What BEVERLY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 297,842,000 | 303,319,000 | 302,641,000 | 297,634,000 |
| Total loans | 227,457,000 | 229,171,000 | 225,000,000 | 225,428,000 |
| Allowance for loan losses | 3,186,000 | 3,349,000 | 3,492,000 | 3,148,000 |
| Securities available for sale | 23,490,000 | 25,275,000 | 23,065,000 | 25,860,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,049,000 | 249,917,000 | 250,243,000 | 245,903,000 |
| Interest-bearing deposits | 203,905,000 | 210,296,000 | 209,075,000 | 204,953,000 |
| Noninterest-bearing deposits | 37,144,000 | 39,621,000 | 41,168,000 | 40,950,000 |
| Equity capital | 22,277,000 | 22,722,000 | 23,032,000 | 23,602,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,340,000 | 6,664,000 | 10,025,000 | 13,305,000 |
| Interest expense | 865,000 | 1,722,000 | 2,546,000 | 3,314,000 |
| Net interest income | 2,475,000 | 4,942,000 | 7,479,000 | 9,991,000 |
| Noninterest income | 298,000 | 558,000 | 912,000 | 1,381,000 |
| Noninterest expense | 1,957,000 | 3,968,000 | 6,048,000 | 8,188,000 |
| Provision for loan losses | 151,000 | 301,000 | 452,000 | 303,000 |
| Pretax income | 665,000 | 1,331,000 | 1,991,000 | 2,981,000 |
| Income tax | 255,000 | 510,000 | 767,000 | 1,161,000 |
| Net income | 410,000 | 821,000 | 1,224,000 | 1,820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,148,000 | 22,511,000 | 22,868,000 | 23,410,000 |
| Total capital | 27,486,000 | 27,883,000 | 28,190,000 | 28,770,000 |
| Risk-weighted assets | 183,599,000 | 186,704,000 | 183,571,000 | 185,750,000 |