Call reports 2014
BEACON BANK — 2014
What BEACON BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 326,114,000 | 320,200,000 | 329,309,000 | 332,400,000 |
| Total loans | 190,349,000 | 190,279,000 | 200,133,000 | 201,200,000 |
| Allowance for loan losses | 3,112,000 | 3,445,000 | 3,415,000 | 3,058,000 |
| Securities available for sale | 74,989,000 | 69,355,000 | 73,659,000 | 75,564,000 |
| Securities held to maturity | 40,721,000 | 38,940,000 | 37,199,000 | 36,283,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,510,000 | 274,373,000 | 283,368,000 | 274,576,000 |
| Interest-bearing deposits | 217,338,000 | 208,750,000 | 218,165,000 | 210,347,000 |
| Noninterest-bearing deposits | 64,172,000 | 65,623,000 | 65,203,000 | 64,229,000 |
| Equity capital | 32,150,000 | 32,859,000 | 33,267,000 | 34,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,277,000 | 6,540,000 | 9,823,000 | 13,081,000 |
| Interest expense | 282,000 | 557,000 | 822,000 | 1,082,000 |
| Net interest income | 2,995,000 | 5,983,000 | 9,001,000 | 11,999,000 |
| Noninterest income | 328,000 | 699,000 | 931,000 | 1,408,000 |
| Noninterest expense | 2,289,000 | 4,874,000 | 7,107,000 | 9,744,000 |
| Provision for loan losses | 150,000 | 250,000 | 250,000 | 250,000 |
| Pretax income | 889,000 | 1,576,000 | 2,593,000 | 3,431,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 889,000 | 1,576,000 | 2,593,000 | 3,431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,793,000 | 32,762,000 | 33,370,000 | 33,923,000 |
| Total capital | 35,588,000 | 35,581,000 | 36,307,000 | 36,878,000 |
| Risk-weighted assets | 223,280,000 | 224,894,000 | 234,501,000 | 236,319,000 |
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