Call reports 2004
BEREA NATIONAL BANK, THE — 2004
What BEREA NATIONAL BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 89,143,000 | 89,618,000 | 85,993,000 | 84,323,000 |
| Total loans | 44,755,000 | 46,064,000 | 45,388,000 | 45,706,000 |
| Allowance for loan losses | 326,000 | 495,000 | 504,000 | 599,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 24,129,000 | 29,456,000 | 26,131,000 | 22,620,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,549,000 | 77,445,000 | 74,395,000 | 72,774,000 |
| Interest-bearing deposits | 64,112,000 | 64,283,000 | 61,051,000 | 59,092,000 |
| Noninterest-bearing deposits | 13,437,000 | 13,162,000 | 13,344,000 | 13,682,000 |
| Equity capital | 9,444,000 | 9,473,000 | 9,479,000 | 9,394,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,069,000 | 2,122,000 | 3,134,000 | 4,157,000 |
| Interest expense | 245,000 | 493,000 | 744,000 | 989,000 |
| Net interest income | 824,000 | 1,629,000 | 2,390,000 | 3,168,000 |
| Noninterest income | 266,000 | 539,000 | 798,000 | 1,047,000 |
| Noninterest expense | 870,000 | 1,683,000 | 2,570,000 | 3,470,000 |
| Provision for loan losses | 91,000 | 277,000 | 369,000 | 561,000 |
| Pretax income | 129,000 | 208,000 | 249,000 | 184,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 129,000 | 208,000 | 249,000 | 184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,444,000 | 9,473,000 | 9,479,000 | 9,394,000 |
| Total capital | 9,770,000 | 9,968,000 | 9,983,000 | 9,993,000 |
| Risk-weighted assets | 49,426,000 | 50,235,000 | 49,252,000 | 49,317,000 |