Call reports 2011
BEVERLY BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2011
What BEVERLY BANK & TRUST COMPANY, NATIONAL ASSOCIATION 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 | 370,506,000 | 375,530,000 | 387,265,000 | 382,569,000 |
| Total loans | 262,578,000 | 292,190,000 | 313,833,000 | 321,149,000 |
| Allowance for loan losses | 2,205,000 | 2,230,000 | 2,601,000 | 2,866,000 |
| Securities available for sale | 42,526,000 | 24,586,000 | 23,965,000 | 17,378,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,827,000 | 336,794,000 | 347,503,000 | 343,497,000 |
| Interest-bearing deposits | 311,531,000 | 312,621,000 | 320,315,000 | 313,931,000 |
| Noninterest-bearing deposits | 21,296,000 | 24,173,000 | 27,188,000 | 29,566,000 |
| Equity capital | 35,948,000 | 36,658,000 | 37,298,000 | 37,678,000 |
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 | 3,940,000 | 7,812,000 | 11,843,000 | 15,964,000 |
| Interest expense | 696,000 | 1,414,000 | 2,094,000 | 2,768,000 |
| Net interest income | 3,244,000 | 6,398,000 | 9,749,000 | 13,196,000 |
| Noninterest income | 248,000 | 498,000 | 864,000 | 1,313,000 |
| Noninterest expense | 2,307,000 | 4,523,000 | 6,741,000 | 9,073,000 |
| Provision for loan losses | 233,000 | 542,000 | 1,061,000 | 1,688,000 |
| Pretax income | 952,000 | 1,852,000 | 2,836,000 | 3,782,000 |
| Income tax | 364,000 | 718,000 | 1,115,000 | 1,487,000 |
| Net income | 588,000 | 1,134,000 | 1,721,000 | 2,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,795,000 | 36,366,000 | 36,994,000 | 37,612,000 |
| Total capital | 38,005,000 | 38,601,000 | 39,602,000 | 40,484,000 |
| Risk-weighted assets | 289,555,000 | 321,586,000 | 339,006,000 | 345,615,000 |