Call reports 2015
BEACON BANK & TRUST — 2015
What BEACON BANK & TRUST 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 | 3,452,839,000 | 3,452,044,000 | 3,502,410,000 | 3,626,566,000 |
| Total loans | 2,934,709,000 | 3,024,979,000 | 3,089,732,000 | 3,202,418,000 |
| Allowance for loan losses | 35,176,000 | 35,377,000 | 34,593,000 | 36,379,000 |
| Securities available for sale | 245,481,000 | 230,732,000 | 229,406,000 | 218,227,000 |
| Securities held to maturity | 500,000 | 33,224,000 | 40,527,000 | 55,869,000 |
| Trading assets | 2,236,000 | 1,635,000 | 6,205,000 | 6,118,000 |
| Total deposits | 2,429,647,000 | 2,402,965,000 | 2,391,123,000 | 2,515,354,000 |
| Interest-bearing deposits | 2,322,008,000 | 2,310,571,000 | 2,297,312,000 | 2,417,381,000 |
| Noninterest-bearing deposits | 107,639,000 | 92,394,000 | 93,811,000 | 97,973,000 |
| Equity capital | 351,402,000 | 359,782,000 | 371,532,000 | 379,675,000 |
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 | 35,474,000 | 70,081,000 | 105,585,000 | 141,855,000 |
| Interest expense | 4,281,000 | 8,397,000 | 12,604,000 | 16,993,000 |
| Net interest income | 31,193,000 | 61,684,000 | 92,981,000 | 124,862,000 |
| Noninterest income | 1,124,000 | 3,290,000 | 5,188,000 | 7,584,000 |
| Noninterest expense | 16,385,000 | 31,904,000 | 48,016,000 | 64,516,000 |
| Provision for loan losses | -402,000 | -104,000 | 60,000 | 2,214,000 |
| Pretax income | 16,334,000 | 33,174,000 | 50,093,000 | 65,716,000 |
| Income tax | 5,979,000 | 12,184,000 | 17,892,000 | 23,361,000 |
| Net income | 9,753,000 | 19,694,000 | 30,344,000 | 39,769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 347,194,000 | 359,589,000 | 370,425,000 | 380,003,000 |
| Total capital | 383,257,000 | 395,944,000 | 406,029,000 | 417,270,000 |
| Risk-weighted assets | 2,887,770,000 | 2,990,945,000 | 3,105,330,000 | 3,145,202,000 |