Call reports 2013
BEVERLY BANK — 2013
What BEVERLY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 298,755,000 | 319,643,000 | 320,153,000 | 323,611,000 |
| Total loans | 237,843,000 | 254,618,000 | 268,402,000 | 272,537,000 |
| Allowance for loan losses | 3,469,000 | 3,566,000 | 3,623,000 | 3,489,000 |
| Securities available for sale | 24,257,000 | 21,345,000 | 22,146,000 | 19,731,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,626,000 | 266,934,000 | 268,749,000 | 276,958,000 |
| Interest-bearing deposits | 199,925,000 | 211,572,000 | 212,454,000 | 222,134,000 |
| Noninterest-bearing deposits | 49,701,000 | 55,362,000 | 56,295,000 | 54,824,000 |
| Equity capital | 25,670,000 | 25,859,000 | 26,174,000 | 26,466,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,029,000 | 6,073,000 | 9,211,000 | 12,390,000 |
| Interest expense | 556,000 | 1,098,000 | 1,635,000 | 2,152,000 |
| Net interest income | 2,473,000 | 4,975,000 | 7,576,000 | 10,238,000 |
| Noninterest income | 536,000 | 924,000 | 1,159,000 | 1,483,000 |
| Noninterest expense | 2,227,000 | 4,477,000 | 6,524,000 | 9,041,000 |
| Provision for loan losses | 121,000 | 238,000 | 361,000 | 241,000 |
| Pretax income | 661,000 | 1,184,000 | 1,849,000 | 2,438,000 |
| Income tax | 253,000 | 455,000 | 712,000 | 940,000 |
| Net income | 408,000 | 729,000 | 1,137,000 | 1,498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,453,000 | 25,722,000 | 26,086,000 | 26,399,000 |
| Total capital | 30,891,000 | 31,319,000 | 31,836,000 | 32,182,000 |
| Risk-weighted assets | 194,003,000 | 206,796,000 | 219,132,000 | 221,917,000 |