Call reports 2013
BEACON BANK — 2013
What BEACON BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 313,237,000 | 306,113,000 | 336,567,000 | 344,364,000 |
| Total loans | 182,984,000 | 187,755,000 | 194,369,000 | 191,004,000 |
| Allowance for loan losses | 4,180,000 | 4,013,000 | 4,013,000 | 3,610,000 |
| Securities available for sale | 106,898,000 | 97,961,000 | 91,399,000 | 86,674,000 |
| Securities held to maturity | 0 | 0 | 29,241,000 | 38,577,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,701,000 | 262,735,000 | 289,808,000 | 297,483,000 |
| Interest-bearing deposits | 218,668,000 | 212,753,000 | 222,588,000 | 234,553,000 |
| Noninterest-bearing deposits | 49,033,000 | 49,982,000 | 67,220,000 | 62,930,000 |
| Equity capital | 31,920,000 | 31,019,000 | 31,891,000 | 32,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,864,000 | 6,002,000 | 9,109,000 | 12,405,000 |
| Interest expense | 304,000 | 605,000 | 910,000 | 1,208,000 |
| Net interest income | 2,560,000 | 5,397,000 | 8,199,000 | 11,197,000 |
| Noninterest income | 280,000 | 553,000 | 875,000 | 1,544,000 |
| Noninterest expense | 2,099,000 | 4,344,000 | 6,514,000 | 8,959,000 |
| Provision for loan losses | 68,000 | 68,000 | 68,000 | 68,000 |
| Pretax income | 686,000 | 1,551,000 | 2,505,000 | 3,727,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 686,000 | 1,551,000 | 2,505,000 | 3,727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,845,000 | 32,122,000 | 32,774,000 | 33,604,000 |
| Total capital | 34,511,000 | 34,854,000 | 35,664,000 | 36,437,000 |
| Risk-weighted assets | 211,787,000 | 216,557,000 | 229,292,000 | 225,936,000 |
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