Call reports 2012
BEVERLY BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2012
What BEVERLY BANK & TRUST COMPANY, NATIONAL ASSOCIATION 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 | 401,173,000 | 407,472,000 | 422,811,000 | 713,604,000 |
| Total loans | 325,672,000 | 349,692,000 | 349,269,000 | 491,752,000 |
| Allowance for loan losses | 2,913,000 | 2,894,000 | 2,671,000 | 2,547,000 |
| Securities available for sale | 31,192,000 | 16,328,000 | 16,021,000 | 95,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 289,000 | 455,000 | 608,000 | 539,000 |
| Total deposits | 361,177,000 | 366,573,000 | 379,538,000 | 626,349,000 |
| Interest-bearing deposits | 315,830,000 | 330,786,000 | 342,939,000 | 531,679,000 |
| Noninterest-bearing deposits | 45,347,000 | 35,787,000 | 36,599,000 | 94,670,000 |
| Equity capital | 38,536,000 | 39,491,000 | 40,490,000 | 75,594,000 |
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 | 4,250,000 | 8,425,000 | 12,700,000 | 17,362,000 |
| Interest expense | 620,000 | 1,230,000 | 1,802,000 | 2,448,000 |
| Net interest income | 3,630,000 | 7,195,000 | 10,898,000 | 14,914,000 |
| Noninterest income | 260,000 | 555,000 | 928,000 | 1,220,000 |
| Noninterest expense | 2,382,000 | 4,690,000 | 7,086,000 | 9,854,000 |
| Provision for loan losses | 139,000 | 271,000 | 496,000 | 640,000 |
| Pretax income | 1,361,000 | 2,806,000 | 4,263,000 | 5,659,000 |
| Income tax | 543,000 | 1,112,000 | 1,689,000 | 2,247,000 |
| Net income | 818,000 | 1,694,000 | 2,574,000 | 3,412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,473,000 | 39,393,000 | 40,317,000 | 59,440,000 |
| Total capital | 41,391,000 | 42,293,000 | 42,994,000 | 61,994,000 |
| Risk-weighted assets | 350,057,000 | 373,727,000 | 376,862,000 | 556,970,000 |