Call reports 2012
BEACON BANK & TRUST — 2012
What BEACON BANK & TRUST 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 | 2,908,950,000 | 3,006,930,000 | 3,060,494,000 | 3,084,379,000 |
| Total loans | 2,582,475,000 | 2,648,400,000 | 2,741,918,000 | 2,768,416,000 |
| Allowance for loan losses | 32,553,000 | 33,538,000 | 34,416,000 | 35,342,000 |
| Securities available for sale | 166,463,000 | 157,806,000 | 179,320,000 | 183,122,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,082,157,000 | 2,118,130,000 | 2,141,505,000 | 2,158,337,000 |
| Interest-bearing deposits | 1,910,247,000 | 1,939,622,000 | 1,929,517,000 | 2,102,655,000 |
| Noninterest-bearing deposits | 171,910,000 | 178,508,000 | 211,988,000 | 55,682,000 |
| Equity capital | 291,489,000 | 298,621,000 | 287,067,000 | 288,859,000 |
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 | 33,054,000 | 65,903,000 | 100,021,000 | 134,163,000 |
| Interest expense | 6,928,000 | 13,601,000 | 20,108,000 | 25,980,000 |
| Net interest income | 26,126,000 | 52,302,000 | 79,913,000 | 108,183,000 |
| Noninterest income | 749,000 | 1,637,000 | 2,715,000 | 3,702,000 |
| Noninterest expense | 13,582,000 | 27,078,000 | 42,078,000 | 50,407,000 |
| Provision for loan losses | 1,814,000 | 2,979,000 | 4,313,000 | 5,929,000 |
| Pretax income | 11,479,000 | 23,882,000 | 36,237,000 | 55,549,000 |
| Income tax | 3,976,000 | 8,800,000 | 12,475,000 | 19,469,000 |
| Net income | 7,218,000 | 14,544,000 | 22,902,000 | 34,853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 280,770,000 | 288,031,000 | 280,750,000 | 278,994,000 |
| Total capital | 313,323,000 | 321,180,000 | 315,166,000 | 314,917,000 |
| Risk-weighted assets | 2,618,764,000 | 2,751,450,000 | 2,857,568,000 | 2,893,426,000 |