Call reports 2002
BEREA NATIONAL BANK, THE — 2002
What BEREA NATIONAL BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 86,593,000 | 86,903,000 | 87,906,000 | 87,019,000 |
| Total loans | 54,504,000 | 54,545,000 | 53,962,000 | 52,096,000 |
| Allowance for loan losses | 478,000 | 490,000 | 501,000 | 554,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 15,022,000 | 15,251,000 | 15,093,000 | 17,971,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,117,000 | 76,397,000 | 76,726,000 | 76,191,000 |
| Interest-bearing deposits | 61,091,000 | 61,890,000 | 62,451,000 | 63,327,000 |
| Noninterest-bearing deposits | 15,026,000 | 14,507,000 | 14,275,000 | 12,864,000 |
| Equity capital | 9,227,000 | 9,288,000 | 9,309,000 | 9,119,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,259,000 | 2,507,000 | 3,750,000 | 4,932,000 |
| Interest expense | 433,000 | 822,000 | 1,202,000 | 1,559,000 |
| Net interest income | 826,000 | 1,685,000 | 2,548,000 | 3,373,000 |
| Noninterest income | 211,000 | 445,000 | 693,000 | 956,000 |
| Noninterest expense | 814,000 | 1,688,000 | 2,607,000 | 3,616,000 |
| Provision for loan losses | 27,000 | 60,000 | 106,000 | 250,000 |
| Pretax income | 196,000 | 382,000 | 528,000 | 463,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 196,000 | 382,000 | 528,000 | 463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,227,000 | 9,288,000 | 9,309,000 | 9,119,000 |
| Total capital | 9,705,000 | 9,778,000 | 9,810,000 | 9,673,000 |
| Risk-weighted assets | 56,848,000 | 57,092,000 | 56,753,000 | 55,570,000 |