Call reports 2015
BEACON BANK — 2015
What BEACON BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 349,829,000 | 352,161,000 | 357,073,000 | 349,989,000 |
| Total loans | 210,319,000 | 215,786,000 | 219,019,000 | 210,896,000 |
| Allowance for loan losses | 3,120,000 | 3,032,000 | 2,938,000 | 2,885,000 |
| Securities available for sale | 67,521,000 | 68,511,000 | 74,833,000 | 70,579,000 |
| Securities held to maturity | 34,617,000 | 37,452,000 | 46,228,000 | 43,858,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,303,000 | 304,856,000 | 303,111,000 | 299,618,000 |
| Interest-bearing deposits | 231,979,000 | 230,918,000 | 232,174,000 | 231,319,000 |
| Noninterest-bearing deposits | 69,324,000 | 73,938,000 | 70,937,000 | 68,299,000 |
| Equity capital | 33,019,000 | 32,997,000 | 34,109,000 | 34,426,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,224,000 | 6,525,000 | 9,885,000 | 13,370,000 |
| Interest expense | 261,000 | 511,000 | 745,000 | 977,000 |
| Net interest income | 2,963,000 | 6,014,000 | 9,140,000 | 12,393,000 |
| Noninterest income | 255,000 | 654,000 | 1,011,000 | 1,418,000 |
| Noninterest expense | 2,291,000 | 4,765,000 | 7,058,000 | 9,486,000 |
| Provision for loan losses | 60,000 | 60,000 | -273,000 | -273,000 |
| Pretax income | 900,000 | 1,876,000 | 3,399,000 | 4,631,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 900,000 | 1,876,000 | 3,399,000 | 4,631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,804,000 | 33,029,000 | 34,053,000 | 34,592,000 |
| Total capital | 35,923,000 | 36,061,000 | 36,991,000 | 37,477,000 |
| Risk-weighted assets | 249,528,000 | 257,694,000 | 262,673,000 | 250,159,000 |