Call reports 2012
BEACH BANK — 2012
What BEACH 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 | 610,899,000 | 611,284,000 | 599,526,000 | 589,383,000 |
| Total loans | 462,094,000 | 454,500,000 | 438,227,000 | 431,490,000 |
| Allowance for loan losses | 7,861,000 | 6,768,000 | 6,465,000 | 8,557,000 |
| Securities available for sale | 72,831,000 | 49,371,000 | 59,641,000 | 62,731,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 534,658,000 | 531,454,000 | 521,710,000 | 511,860,000 |
| Interest-bearing deposits | 511,460,000 | 507,052,000 | 494,563,000 | 486,205,000 |
| Noninterest-bearing deposits | 23,198,000 | 24,402,000 | 27,147,000 | 25,655,000 |
| Equity capital | 37,723,000 | 38,307,000 | 36,779,000 | 31,828,000 |
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 | 5,161,000 | 10,301,000 | 15,244,000 | 20,143,000 |
| Interest expense | 2,173,000 | 4,265,000 | 6,278,000 | 8,049,000 |
| Net interest income | 2,988,000 | 6,036,000 | 8,966,000 | 12,094,000 |
| Noninterest income | 940,000 | 3,271,000 | 4,526,000 | 5,955,000 |
| Noninterest expense | 4,299,000 | 8,639,000 | 13,187,000 | 17,849,000 |
| Provision for loan losses | 0 | 732,000 | 1,937,000 | 4,254,000 |
| Pretax income | -371,000 | 612,000 | -956,000 | -3,378,000 |
| Income tax | 0 | 0 | 0 | 2,544,000 |
| Net income | -371,000 | 612,000 | -956,000 | -5,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,505,000 | 34,247,000 | 32,494,000 | 30,080,000 |
| Total capital | 39,604,000 | 40,258,000 | 38,484,000 | 35,965,000 |
| Risk-weighted assets | 486,129,000 | 480,496,000 | 478,743,000 | 468,108,000 |