Call reports 2015
BEVERLY BANK — 2015
What BEVERLY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 350,448,000 | 358,984,000 | 375,606,000 | 371,389,000 |
| Total loans | 305,737,000 | 314,856,000 | 313,652,000 | 318,638,000 |
| Allowance for loan losses | 3,856,000 | 3,902,000 | 3,942,000 | 3,972,000 |
| Securities available for sale | 16,539,000 | 15,693,000 | 17,142,000 | 18,486,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,129,000 | 315,187,000 | 327,474,000 | 323,078,000 |
| Interest-bearing deposits | 233,795,000 | 237,993,000 | 255,511,000 | 251,500,000 |
| Noninterest-bearing deposits | 73,334,000 | 77,194,000 | 71,963,000 | 71,578,000 |
| Equity capital | 27,779,000 | 28,377,000 | 34,043,000 | 34,508,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,378,000 | 6,868,000 | 10,573,000 | 14,163,000 |
| Interest expense | 510,000 | 1,024,000 | 1,572,000 | 2,110,000 |
| Net interest income | 2,868,000 | 5,844,000 | 9,001,000 | 12,053,000 |
| Noninterest income | 326,000 | 903,000 | 1,297,000 | 1,626,000 |
| Noninterest expense | 2,364,000 | 4,826,000 | 7,308,000 | 9,763,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 785,000 | 1,946,000 | 2,970,000 | 3,851,000 |
| Income tax | 303,000 | 758,000 | 1,158,000 | 1,497,000 |
| Net income | 482,000 | 1,188,000 | 1,812,000 | 2,354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,665,000 | 28,372,000 | 33,995,000 | 34,538,000 |
| Total capital | 31,774,000 | 32,648,000 | 37,456,000 | 38,072,000 |
| Risk-weighted assets | 256,107,000 | 269,589,000 | 276,428,000 | 282,250,000 |