Call reports 2003
BEREA NATIONAL BANK, THE — 2003
What BEREA NATIONAL BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 89,046,000 | 90,363,000 | 90,896,000 | 87,964,000 |
| Total loans | 48,644,000 | 46,762,000 | 47,628,000 | 46,870,000 |
| Allowance for loan losses | 366,000 | 356,000 | 413,000 | 462,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 18,936,000 | 25,410,000 | 24,837,000 | 25,803,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,235,000 | 79,353,000 | 80,038,000 | 76,935,000 |
| Interest-bearing deposits | 63,927,000 | 64,944,000 | 65,620,000 | 64,178,000 |
| Noninterest-bearing deposits | 14,308,000 | 14,409,000 | 14,418,000 | 12,757,000 |
| Equity capital | 9,208,000 | 9,282,000 | 9,272,000 | 9,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,128,000 | 2,238,000 | 3,336,000 | 4,410,000 |
| Interest expense | 335,000 | 660,000 | 954,000 | 1,213,000 |
| Net interest income | 793,000 | 1,578,000 | 2,382,000 | 3,197,000 |
| Noninterest income | 297,000 | 583,000 | 876,000 | 1,147,000 |
| Noninterest expense | 891,000 | 1,732,000 | 2,597,000 | 3,359,000 |
| Provision for loan losses | 45,000 | 121,000 | 363,000 | 519,000 |
| Pretax income | 154,000 | 308,000 | 298,000 | 466,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 154,000 | 308,000 | 298,000 | 466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,208,000 | 9,282,000 | 9,272,000 | 9,365,000 |
| Total capital | 9,574,000 | 9,638,000 | 9,685,000 | 9,827,000 |
| Risk-weighted assets | 53,485,000 | 51,562,000 | 52,082,000 | 51,138,000 |