Call reports 2009
BEACON BANK — 2009
What BEACON BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 294,685,000 | 293,783,000 | 316,882,000 | 287,913,000 |
| Total loans | 240,457,000 | 243,475,000 | 238,054,000 | 232,088,000 |
| Allowance for loan losses | 2,565,000 | 3,275,000 | 2,640,000 | 3,359,000 |
| Securities available for sale | 4,312,000 | 3,923,000 | 34,929,000 | 33,094,000 |
| Securities held to maturity | 27,836,000 | 31,685,000 | 113,000 | 113,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,564,000 | 249,463,000 | 270,662,000 | 242,681,000 |
| Interest-bearing deposits | 218,283,000 | 217,241,000 | 237,028,000 | 211,216,000 |
| Noninterest-bearing deposits | 30,281,000 | 32,222,000 | 33,634,000 | 31,465,000 |
| Equity capital | 28,470,000 | 27,159,000 | 30,058,000 | 30,010,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,035,000 | 8,158,000 | 12,169,000 | 16,141,000 |
| Interest expense | 1,243,000 | 2,457,000 | 3,593,000 | 4,642,000 |
| Net interest income | 2,792,000 | 5,701,000 | 8,576,000 | 11,499,000 |
| Noninterest income | 368,000 | 666,000 | 993,000 | 1,196,000 |
| Noninterest expense | 2,248,000 | 4,482,000 | 6,453,000 | 8,728,000 |
| Provision for loan losses | 276,000 | 1,152,000 | 2,807,000 | 3,607,000 |
| Pretax income | 636,000 | 733,000 | 782,000 | 833,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 636,000 | 733,000 | 782,000 | 833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,404,000 | 27,086,000 | 29,552,000 | 29,602,000 |
| Total capital | 30,969,000 | 30,361,000 | 32,192,000 | 32,826,000 |
| Risk-weighted assets | 264,793,000 | 267,100,000 | 265,174,000 | 257,801,000 |
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