Call reports 2012
BEVERLY BANK — 2012
What BEVERLY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 301,234,000 | 296,372,000 | 305,472,000 | 307,889,000 |
| Total loans | 226,865,000 | 231,183,000 | 232,472,000 | 236,135,000 |
| Allowance for loan losses | 3,268,000 | 3,389,000 | 3,509,000 | 3,346,000 |
| Securities available for sale | 26,299,000 | 25,368,000 | 24,306,000 | 26,374,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,858,000 | 248,114,000 | 254,850,000 | 261,026,000 |
| Interest-bearing deposits | 201,903,000 | 198,763,000 | 201,775,000 | 205,105,000 |
| Noninterest-bearing deposits | 44,955,000 | 49,351,000 | 53,075,000 | 55,921,000 |
| Equity capital | 23,953,000 | 24,444,000 | 24,797,000 | 25,325,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,186,000 | 6,351,000 | 9,479,000 | 12,574,000 |
| Interest expense | 697,000 | 1,362,000 | 2,006,000 | 2,614,000 |
| Net interest income | 2,489,000 | 4,989,000 | 7,473,000 | 9,960,000 |
| Noninterest income | 357,000 | 922,000 | 1,373,000 | 1,959,000 |
| Noninterest expense | 2,127,000 | 4,286,000 | 6,461,000 | 8,627,000 |
| Provision for loan losses | 110,000 | 221,000 | 341,000 | 221,000 |
| Pretax income | 676,000 | 1,471,000 | 2,111,000 | 3,138,000 |
| Income tax | 261,000 | 569,000 | 819,000 | 1,220,000 |
| Net income | 415,000 | 902,000 | 1,292,000 | 1,918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,772,000 | 24,206,000 | 24,539,000 | 25,104,000 |
| Total capital | 29,105,000 | 29,614,000 | 29,969,000 | 30,536,000 |
| Risk-weighted assets | 185,705,000 | 191,620,000 | 193,303,000 | 193,657,000 |