Call reports 2009
BEVERLY BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2009
What BEVERLY BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 244,810,000 | 272,754,000 | 291,607,000 | 301,866,000 |
| Total loans | 194,354,000 | 211,370,000 | 180,612,000 | 195,041,000 |
| Allowance for loan losses | 1,648,000 | 2,159,000 | 1,481,000 | 1,815,000 |
| Securities available for sale | 15,542,000 | 13,032,000 | 16,570,000 | 16,434,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,299,000 | 246,165,000 | 263,495,000 | 273,321,000 |
| Interest-bearing deposits | 206,425,000 | 232,882,000 | 250,666,000 | 261,791,000 |
| Noninterest-bearing deposits | 15,874,000 | 13,283,000 | 12,829,000 | 11,530,000 |
| Equity capital | 16,040,000 | 19,278,000 | 20,519,000 | 21,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,956,000 | 6,097,000 | 9,693,000 | 12,739,000 |
| Interest expense | 1,336,000 | 2,664,000 | 3,949,000 | 5,150,000 |
| Net interest income | 1,620,000 | 3,433,000 | 5,744,000 | 7,589,000 |
| Noninterest income | 98,000 | 201,000 | 473,000 | 617,000 |
| Noninterest expense | 1,525,000 | 3,231,000 | 4,824,000 | 6,412,000 |
| Provision for loan losses | 470,000 | 1,105,000 | 1,971,000 | 2,896,000 |
| Pretax income | -280,000 | -561,000 | -437,000 | -961,000 |
| Income tax | -103,000 | -212,000 | -163,000 | -365,000 |
| Net income | -177,000 | -349,000 | -274,000 | -596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,983,000 | 19,330,000 | 20,416,000 | 21,350,000 |
| Total capital | 22,638,000 | 26,503,000 | 26,911,000 | 28,169,000 |
| Risk-weighted assets | 210,765,000 | 221,629,000 | 194,226,000 | 208,145,000 |