Call reports 2013
BEACON BANK & TRUST — 2013
What BEACON BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 3,099,575,000 | 3,140,750,000 | 3,203,552,000 | 3,225,192,000 |
| Total loans | 2,747,792,000 | 2,775,082,000 | 2,805,611,000 | 2,842,598,000 |
| Allowance for loan losses | 35,493,000 | 35,619,000 | 35,517,000 | 35,894,000 |
| Securities available for sale | 182,831,000 | 175,358,000 | 178,964,000 | 196,480,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,178,375,000 | 2,209,761,000 | 2,236,330,000 | 2,279,913,000 |
| Interest-bearing deposits | 2,118,894,000 | 2,152,392,000 | 2,177,783,000 | 2,214,515,000 |
| Noninterest-bearing deposits | 59,481,000 | 57,369,000 | 58,547,000 | 65,398,000 |
| Equity capital | 295,935,000 | 302,081,000 | 309,702,000 | 301,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 33,183,000 | 67,120,000 | 99,747,000 | 132,396,000 |
| Interest expense | 5,475,000 | 10,544,000 | 15,498,000 | 20,229,000 |
| Net interest income | 27,708,000 | 56,576,000 | 84,249,000 | 112,167,000 |
| Noninterest income | 735,000 | 1,155,000 | 1,500,000 | 2,204,000 |
| Noninterest expense | 15,741,000 | 30,562,000 | 46,063,000 | 61,068,000 |
| Provision for loan losses | 506,000 | 1,152,000 | 1,590,000 | 2,916,000 |
| Pretax income | 12,196,000 | 26,017,000 | 38,096,000 | 50,158,000 |
| Income tax | 4,298,000 | 9,232,000 | 12,967,000 | 17,204,000 |
| Net income | 7,471,000 | 15,983,000 | 23,837,000 | 31,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 289,758,000 | 298,867,000 | 306,896,000 | 299,822,000 |
| Total capital | 324,488,000 | 333,527,000 | 342,108,000 | 335,748,000 |
| Risk-weighted assets | 2,778,559,000 | 2,773,935,000 | 2,817,919,000 | 2,873,324,000 |