Call reports 2005
BEREA NATIONAL BANK, THE — 2005
What BEREA NATIONAL BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 87,489,000 | 87,464,000 | 86,726,000 | 84,108,000 |
| Total loans | 48,231,000 | 48,272,000 | 48,050,000 | 46,518,000 |
| Allowance for loan losses | 608,000 | 559,000 | 567,000 | 930,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 20,849,000 | 19,645,000 | 22,725,000 | 22,674,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,247,000 | 76,442,000 | 75,603,000 | 73,548,000 |
| Interest-bearing deposits | 62,197,000 | 62,312,000 | 60,960,000 | 59,439,000 |
| Noninterest-bearing deposits | 14,050,000 | 14,130,000 | 14,643,000 | 14,109,000 |
| Equity capital | 9,400,000 | 9,462,000 | 9,369,000 | 8,113,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,018,000 | 2,104,000 | 3,220,000 | 4,462,000 |
| Interest expense | 281,000 | 607,000 | 955,000 | 1,319,000 |
| Net interest income | 737,000 | 1,497,000 | 2,265,000 | 3,143,000 |
| Noninterest income | 238,000 | 503,000 | 773,000 | 1,037,000 |
| Noninterest expense | 921,000 | 1,812,000 | 2,816,000 | 4,701,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 655,000 |
| Pretax income | 31,000 | 143,000 | 154,000 | -1,176,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 31,000 | 143,000 | 154,000 | -1,176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,400,000 | 9,462,000 | 9,369,000 | 8,113,000 |
| Total capital | 10,008,000 | 10,021,000 | 9,936,000 | 8,733,000 |
| Risk-weighted assets | 51,698,000 | 51,899,000 | 50,406,000 | 49,288,000 |