Call reports 2015
BEACH BANK — 2015
What BEACH 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 | 553,703,000 | 544,345,000 | 541,581,000 | 535,888,000 |
| Total loans | 387,100,000 | 378,189,000 | 381,151,000 | 374,787,000 |
| Allowance for loan losses | 7,378,000 | 5,067,000 | 4,560,000 | 3,602,000 |
| Securities available for sale | 38,683,000 | 41,663,000 | 39,605,000 | 37,587,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 503,180,000 | 489,312,000 | 479,777,000 | 474,663,000 |
| Interest-bearing deposits | 471,385,000 | 452,386,000 | 441,882,000 | 440,126,000 |
| Noninterest-bearing deposits | 31,795,000 | 36,926,000 | 37,895,000 | 34,537,000 |
| Equity capital | 22,843,000 | 22,075,000 | 21,991,000 | 21,086,000 |
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 | 3,851,000 | 7,654,000 | 11,651,000 | 15,614,000 |
| Interest expense | 1,271,000 | 2,513,000 | 3,702,000 | 4,884,000 |
| Net interest income | 2,580,000 | 5,141,000 | 7,949,000 | 10,730,000 |
| Noninterest income | 1,915,000 | 3,871,000 | 6,231,000 | 7,303,000 |
| Noninterest expense | 5,202,000 | 10,223,000 | 15,533,000 | 20,148,000 |
| Provision for loan losses | 0 | 236,000 | 236,000 | 236,000 |
| Pretax income | -707,000 | -1,447,000 | -1,586,000 | -2,348,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -707,000 | -1,447,000 | -1,586,000 | -2,348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,285,000 | 21,545,000 | 21,406,000 | 20,644,000 |
| Total capital | 28,346,000 | 26,612,000 | 25,966,000 | 24,246,000 |
| Risk-weighted assets | 482,039,000 | 475,364,000 | 476,818,000 | 469,862,000 |