Call reports 2012
BEACON BANK — 2012
What BEACON BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 302,871,000 | 295,760,000 | 301,066,000 | 309,629,000 |
| Total loans | 176,504,000 | 178,617,000 | 176,333,000 | 179,726,000 |
| Allowance for loan losses | 4,275,000 | 3,749,000 | 3,893,000 | 4,115,000 |
| Securities available for sale | 49,688,000 | 38,055,000 | 46,348,000 | 104,805,000 |
| Securities held to maturity | 62,213,000 | 59,107,000 | 55,373,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,179,000 | 248,867,000 | 255,972,000 | 264,318,000 |
| Interest-bearing deposits | 216,767,000 | 208,032,000 | 211,485,000 | 218,036,000 |
| Noninterest-bearing deposits | 41,412,000 | 40,835,000 | 44,487,000 | 46,282,000 |
| Equity capital | 31,532,000 | 31,650,000 | 32,067,000 | 32,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,262,000 | 6,539,000 | 9,613,000 | 12,572,000 |
| Interest expense | 449,000 | 839,000 | 1,188,000 | 1,511,000 |
| Net interest income | 2,813,000 | 5,700,000 | 8,425,000 | 11,061,000 |
| Noninterest income | 155,000 | 511,000 | 732,000 | 1,040,000 |
| Noninterest expense | 2,201,000 | 4,625,000 | 6,817,000 | 9,097,000 |
| Provision for loan losses | 337,000 | 587,000 | 837,000 | 1,087,000 |
| Pretax income | 608,000 | 1,307,000 | 1,811,000 | 2,501,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 608,000 | 1,307,000 | 1,811,000 | 2,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,168,000 | 31,491,000 | 31,833,000 | 32,359,000 |
| Total capital | 33,644,000 | 34,000,000 | 34,322,000 | 34,947,000 |
| Risk-weighted assets | 196,313,000 | 198,745,000 | 197,774,000 | 205,576,000 |