Call reports 2001
BEREA NATIONAL BANK, THE — 2001
What BEREA NATIONAL BANK, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 79,221,000 | 81,270,000 | 82,670,000 | 82,876,000 |
| Total loans | 45,730,000 | 48,911,000 | 52,022,000 | 53,776,000 |
| Allowance for loan losses | 396,000 | 418,000 | 413,000 | 467,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 17,036,000 | 18,936,000 | 17,789,000 | 17,686,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,515,000 | 70,490,000 | 71,863,000 | 72,318,000 |
| Interest-bearing deposits | 57,439,000 | 58,730,000 | 59,192,000 | 60,280,000 |
| Noninterest-bearing deposits | 11,076,000 | 11,760,000 | 12,671,000 | 12,038,000 |
| Equity capital | 9,197,000 | 9,208,000 | 9,261,000 | 9,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,382,000 | 2,759,000 | 4,142,000 | 5,458,000 |
| Interest expense | 647,000 | 1,297,000 | 1,904,000 | 2,420,000 |
| Net interest income | 735,000 | 1,462,000 | 2,238,000 | 3,038,000 |
| Noninterest income | 171,000 | 386,000 | 617,000 | 854,000 |
| Noninterest expense | 704,000 | 1,458,000 | 2,234,000 | 3,059,000 |
| Provision for loan losses | 27,000 | 54,000 | 82,000 | 174,000 |
| Pretax income | 175,000 | 336,000 | 539,000 | 659,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 175,000 | 336,000 | 539,000 | 659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,197,000 | 9,208,000 | 9,261,000 | 9,181,000 |
| Total capital | 9,593,000 | 9,626,000 | 9,674,000 | 9,648,000 |
| Risk-weighted assets | 48,457,000 | 51,061,000 | 53,813,000 | 55,289,000 |