Call reports 2016
BEACON BANK & TRUST — 2016
What BEACON BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 3,723,940,000 | 3,845,506,000 | 3,868,892,000 | 3,922,955,000 |
| Total loans | 3,304,314,000 | 3,399,777,000 | 3,437,399,000 | 3,477,510,000 |
| Allowance for loan losses | 37,742,000 | 37,881,000 | 38,850,000 | 36,017,000 |
| Securities available for sale | 210,703,000 | 213,971,000 | 218,039,000 | 213,691,000 |
| Securities held to maturity | 52,268,000 | 50,845,000 | 55,815,000 | 66,218,000 |
| Trading assets | 13,585,000 | 19,796,000 | 18,460,000 | 6,711,000 |
| Total deposits | 2,608,141,000 | 2,690,858,000 | 2,759,766,000 | 2,813,684,000 |
| Interest-bearing deposits | 2,191,766,000 | 2,227,866,000 | 2,250,166,000 | 2,311,535,000 |
| Noninterest-bearing deposits | 416,375,000 | 462,992,000 | 509,600,000 | 502,149,000 |
| Equity capital | 377,385,000 | 379,244,000 | 389,720,000 | 389,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 37,478,000 | 75,896,000 | 115,353,000 | 154,944,000 |
| Interest expense | 4,625,000 | 9,515,000 | 14,597,000 | 19,678,000 |
| Net interest income | 32,853,000 | 66,381,000 | 100,756,000 | 135,266,000 |
| Noninterest income | 2,832,000 | 4,887,000 | 6,845,000 | 9,383,000 |
| Noninterest expense | 16,450,000 | 33,218,000 | 50,983,000 | 68,895,000 |
| Provision for loan losses | 1,463,000 | 1,913,000 | 3,024,000 | 4,765,000 |
| Pretax income | 17,772,000 | 36,137,000 | 53,594,000 | 70,989,000 |
| Income tax | 6,369,000 | 13,003,000 | 18,976,000 | 24,929,000 |
| Net income | 10,573,000 | 21,586,000 | 32,415,000 | 43,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 375,952,000 | 376,879,000 | 388,033,000 | 391,964,000 |
| Total capital | 414,664,000 | 415,622,000 | 427,777,000 | 428,966,000 |
| Risk-weighted assets | 3,248,472,000 | 3,356,718,000 | 3,337,318,000 | 3,400,539,000 |